Overview

The goal of this project is to investigate how climate risk affects commercial loans in the US. Similar work has been done by Prof. Keys, looking into residential loans as opposed to commercial. This may be found here: https://www.nber.org/papers/w27930.pdf.

For the current project, Prof. Keys is using commercial loan data acquired from TREPP, “the industry’s largest commercially available database of securitized mortgages.” Additionally, to measure overall climate risk, he is using raw data from the National Interagency Fire Center, National Centers for Environmental Information, National Hurricane Center, National Risk Index, and First Street Foundation.


TREPP Data

Location

The raw data acquired from TREPP comes in 11 zipped folders (found at projects/Climate_Risk_index/trepp/data/raw). Each one of these zipped folders contains another \(\approx\) 12 zipped folders grouped by month (eg, feed_014_201510.zip). It is inside of these folders that the actual data sets may be found.

Raw

The actual data consists of multiple different versions of four different files, named loan.csv, loan2.csv, note.csv, and prop.csv. All these files have been preprocessed, cleaned, and grouped using R. The scripts used for this may be found at the following path: projects/Climate_Risk_index/trepp/code/r.


The Code

(1) 01_prep_trepp_data.R

May be ignored; this was Jorge’s first attempt at loading the data. This file was left untouched.


(2) 02_clean_trepp_data.R

This file unzips all folders and subfolders. It then binds together the multiple versions of the four main files: loan.csv, loan2.csv, note.csv, and prop.csv. The final output are 4 CSV files (with years and dates), of all the individual files combined and only the variables of interest. They are named: 02_loan_data.csv, 02_loan2_data.csv, 02_prop_data.csv, 02_notes_data.csv, and may be found at Climate_Risk_Index/trepp/data/. This script ought to be run in HPCC because of memory constraints.


(3) 03_explore_trepp_data.R

This script creates unique identifiers for each of the loans within the datasets loan, loan2, and prop. For instance:

loan <- loan[, unique_id := 
                   paste0(
                     dosname,            # trepp deal name
                     masterloanidtrepp,  # Master Loan ID
                     notenum             # Note Number
                   ) ]


(4) 04_summarize_trepp.R

This script creates a summary of each unique loan, indicating their performances and characteristics (an example may be seen in the code chunk below). It also creates indicator variables (0 or 1) for their different LTVs (eg, <70, 70-75, etc)

loan_summary <- loan[, by = unique_id,       # group by id

                     .(                      # summarize
                       origdate = first(origdate),
                       
                       lat = first( lat ),
                       
                       long = first( long ),

                       mean_actpmt = mean( actpmt, na.rm = T ),

                       median_actpmt = median( actpmt, na.rm = T ),

                       wac = mean( securwac, na.rm = T ),

                       initial_ltv = first( ltv ),
                       
                       dscr_trepp = first( securnetcfdscr ),
                       
                       dscr_crefc = first( mrfytddscr ),

                       # ever_bankrupt = ifelse( any( as.double(bankruptcyflag) + 0 > 0, na.rm = T), 1, 0),

                       ever_delinquent = ifelse( any( dlqderivedcd %chin% c( "1", "2", "3", "6") ), 1, 0),

                       ever_foreclosed = ifelse( any( dlqderivedcd == "7" ), 1, 0 ),   # "7" = forec. in process
                     
                       mean_actual_balance = mean( balact, na.rm = T ),
                       
                       median_actual_balance = median( balact, na.rm = T )
                       ) ]

Below is a random sample of it:


(5) 05_add_tracts_trepp.R

This R file extracts the census tracts for “collapsed” loans based on their latitude and longitude coordinates using R’s {simple features}. In other words, we now have the same variables as above but now with the corresponding census tracts, lat and long coordinates, county fps, state fps, and some other geographic variables for each loan.


(6) 06_risk_zip_trepp.R

Based on the census tract, this file extracts the respective zip code of each observation using the following publicly available crosswalk: https://www2.census.gov/geo/docs/maps-data/data/rel/zcta_tract_rel_10.txt.

Once the zip codes are retrieved, the R script identifies the respective risk_scores for each loan location. It does so based on the following dataset created by Jorge Tello: Climate_Risk_index/LLMA/data/3_NRI_FSF_risk_by_zip.dta

This final data is stored at Climate_Risk_index/trepp/data/summaries/by_zip/summary_w_zip_n_risk.csv Here is what that looks like:


(7) 07_scatterplots_trepp.R

This R script uses different OLS Models to emplore the relationship between Climate Risk and Weighted average coupons (WAC) across the country. For instance, this one below. And it is using the above dataset which has 249,695 unique observations. For instance:

\[ \begin{aligned} \operatorname{wac} &= \alpha + \beta_{1}(\operatorname{\log(risk\_score)}) + \beta_{2}(\operatorname{ltv\_under\_70}) + \beta_{3}(\operatorname{ltv\_70\_to\_75})\ + \\ &\quad \beta_{4}(\operatorname{ltv\_75\_to\_80}) + \beta_{5}(\operatorname{ltv\_80\_to\_85}) + \beta_{6}(\operatorname{ltv\_85\_to\_90}) + \beta_{7}(\operatorname{ltv\_90\_to\_95})\ + \\ &\quad \beta_{8}(\operatorname{ltv\_above\_95}) + \beta_{9}(\operatorname{\log(dscr\_trepp)}) + \beta_{10}(\operatorname{year}_{\operatorname{1974}}) + \beta_{11}(\operatorname{year}_{\operatorname{1978}})\ + \\ &\quad \beta_{12}(\operatorname{year}_{\operatorname{1980}}) + \beta_{13}(\operatorname{year}_{\operatorname{1981}}) + \beta_{14}(\operatorname{year}_{\operatorname{1982}}) + \beta_{15}(\operatorname{year}_{\operatorname{1985}})\ + \\ &\quad \beta_{16}(\operatorname{year}_{\operatorname{1986}}) + \beta_{17}(\operatorname{year}_{\operatorname{1987}}) + \beta_{18}(\operatorname{year}_{\operatorname{1988}}) + \beta_{19}(\operatorname{year}_{\operatorname{1989}})\ + \\ &\quad \beta_{20}(\operatorname{year}_{\operatorname{1990}}) + \beta_{21}(\operatorname{year}_{\operatorname{1991}}) + \beta_{22}(\operatorname{year}_{\operatorname{1992}}) + \beta_{23}(\operatorname{year}_{\operatorname{1993}})\ + \\ &\quad \beta_{24}(\operatorname{year}_{\operatorname{1994}}) + \beta_{25}(\operatorname{year}_{\operatorname{1995}}) + \beta_{26}(\operatorname{year}_{\operatorname{1996}}) + \beta_{27}(\operatorname{year}_{\operatorname{1997}})\ + \\ &\quad \beta_{28}(\operatorname{year}_{\operatorname{1998}}) + \beta_{29}(\operatorname{year}_{\operatorname{1999}}) + \beta_{30}(\operatorname{year}_{\operatorname{2000}}) + \beta_{31}(\operatorname{year}_{\operatorname{2001}})\ + \\ &\quad \beta_{32}(\operatorname{year}_{\operatorname{2002}}) + \beta_{33}(\operatorname{year}_{\operatorname{2003}}) + \beta_{34}(\operatorname{year}_{\operatorname{2004}}) + \beta_{35}(\operatorname{year}_{\operatorname{2005}})\ + \\ &\quad \beta_{36}(\operatorname{year}_{\operatorname{2006}}) + \beta_{37}(\operatorname{year}_{\operatorname{2007}}) + \beta_{38}(\operatorname{year}_{\operatorname{2008}}) + \beta_{39}(\operatorname{year}_{\operatorname{2009}})\ + \\ &\quad \beta_{40}(\operatorname{year}_{\operatorname{2010}}) + \beta_{41}(\operatorname{year}_{\operatorname{2011}}) + \beta_{42}(\operatorname{year}_{\operatorname{2012}}) + \beta_{43}(\operatorname{year}_{\operatorname{2013}})\ + \\ &\quad \beta_{44}(\operatorname{year}_{\operatorname{2014}}) + \beta_{45}(\operatorname{year}_{\operatorname{2015}}) + \beta_{46}(\operatorname{year}_{\operatorname{2016}}) + \beta_{47}(\operatorname{year}_{\operatorname{2017}})\ + \\ &\quad \beta_{48}(\operatorname{year}_{\operatorname{2018}}) + \beta_{49}(\operatorname{year}_{\operatorname{2019}}) + \beta_{50}(\operatorname{year}_{\operatorname{2020}}) + \beta_{51}(\operatorname{month}_{\operatorname{2}})\ + \\ &\quad \beta_{52}(\operatorname{month}_{\operatorname{3}}) + \beta_{53}(\operatorname{month}_{\operatorname{4}}) + \beta_{54}(\operatorname{month}_{\operatorname{5}}) + \beta_{55}(\operatorname{month}_{\operatorname{6}})\ + \\ &\quad \beta_{56}(\operatorname{month}_{\operatorname{7}}) + \beta_{57}(\operatorname{month}_{\operatorname{8}}) + \beta_{58}(\operatorname{month}_{\operatorname{9}}) + \beta_{59}(\operatorname{month}_{\operatorname{10}})\ + \\ &\quad \beta_{60}(\operatorname{month}_{\operatorname{11}}) + \beta_{61}(\operatorname{month}_{\operatorname{12}}) + \beta_{62}(\operatorname{\log(risk\_score)} \times \operatorname{\log(dscr\_trepp)}) + \epsilon \end{aligned} \]

## 
## ===============================================================
##                                       Dependent variable:      
##                                 -------------------------------
##                                               wac              
## ---------------------------------------------------------------
## log(risk_score)                            -0.086***           
##                                             (0.006)            
##                                                                
## ltv_under_70                               0.145***            
##                                             (0.042)            
##                                                                
## ltv_70_to_75                                0.071*             
##                                             (0.042)            
##                                                                
## ltv_75_to_80                               -0.089**            
##                                             (0.042)            
##                                                                
## ltv_80_to_85                               0.135***            
##                                             (0.045)            
##                                                                
## ltv_85_to_90                                0.126**            
##                                             (0.053)            
##                                                                
## ltv_90_to_95                                 0.047             
##                                             (0.058)            
##                                                                
## ltv_above_95                                                   
##                                                                
##                                                                
## log(dscr_trepp)                            -0.877***           
##                                             (0.039)            
##                                                                
## year1974                                    -0.231             
##                                             (0.756)            
##                                                                
## year1978                                     0.139             
##                                             (0.756)            
##                                                                
## year1980                                     1.210             
##                                             (0.872)            
##                                                                
## year1981                                     0.085             
##                                             (0.666)            
##                                                                
## year1982                                    -0.109             
##                                             (0.712)            
##                                                                
## year1985                                     0.170             
##                                             (0.872)            
##                                                                
## year1986                                    -1.084             
##                                             (0.712)            
##                                                                
## year1987                                    -0.716             
##                                             (0.756)            
##                                                                
## year1988                                    -0.873             
##                                             (0.712)            
##                                                                
## year1989                                    -1.205*            
##                                             (0.659)            
##                                                                
## year1990                                    -0.319             
##                                             (0.654)            
##                                                                
## year1991                                    -0.839             
##                                             (0.712)            
##                                                                
## year1992                                    -0.061             
##                                             (0.659)            
##                                                                
## year1993                                    -0.606             
##                                             (0.625)            
##                                                                
## year1994                                    -0.0001            
##                                             (0.620)            
##                                                                
## year1995                                    -0.231             
##                                             (0.618)            
##                                                                
## year1996                                     0.119             
##                                             (0.617)            
##                                                                
## year1997                                    -0.528             
##                                             (0.617)            
##                                                                
## year1998                                   -1.405**            
##                                             (0.617)            
##                                                                
## year1999                                    -0.681             
##                                             (0.617)            
##                                                                
## year2000                                    -0.369             
##                                             (0.617)            
##                                                                
## year2001                                   -1.277**            
##                                             (0.617)            
##                                                                
## year2002                                   -1.892***           
##                                             (0.617)            
##                                                                
## year2003                                   -2.914***           
##                                             (0.617)            
##                                                                
## year2004                                   -3.038***           
##                                             (0.617)            
##                                                                
## year2005                                   -3.128***           
##                                             (0.617)            
##                                                                
## year2006                                   -2.587***           
##                                             (0.617)            
##                                                                
## year2007                                   -2.725***           
##                                             (0.617)            
##                                                                
## year2008                                   -2.670***           
##                                             (0.618)            
##                                                                
## year2009                                   -2.849***           
##                                             (0.617)            
##                                                                
## year2010                                   -3.325***           
##                                             (0.617)            
##                                                                
## year2011                                   -3.588***           
##                                             (0.617)            
##                                                                
## year2012                                   -4.390***           
##                                             (0.617)            
##                                                                
## year2013                                   -4.221***           
##                                             (0.617)            
##                                                                
## year2014                                   -4.374***           
##                                             (0.617)            
##                                                                
## year2015                                   -4.546***           
##                                             (0.617)            
##                                                                
## year2016                                   -4.522***           
##                                             (0.617)            
##                                                                
## year2017                                   -4.413***           
##                                             (0.617)            
##                                                                
## year2018                                   -4.078***           
##                                             (0.617)            
##                                                                
## year2019                                   -4.474***           
##                                             (0.617)            
##                                                                
## year2020                                   -5.378***           
##                                             (0.617)            
##                                                                
## month2                                       0.006             
##                                             (0.008)            
##                                                                
## month3                                     -0.047***           
##                                             (0.008)            
##                                                                
## month4                                     -0.041***           
##                                             (0.008)            
##                                                                
## month5                                     -0.058***           
##                                             (0.008)            
##                                                                
## month6                                     -0.074***           
##                                             (0.008)            
##                                                                
## month7                                     -0.059***           
##                                             (0.008)            
##                                                                
## month8                                     -0.125***           
##                                             (0.008)            
##                                                                
## month9                                     -0.149***           
##                                             (0.008)            
##                                                                
## month10                                    -0.161***           
##                                             (0.008)            
##                                                                
## month11                                    -0.177***           
##                                             (0.008)            
##                                                                
## month12                                    -0.224***           
##                                             (0.007)            
##                                                                
## log(risk_score):log(dscr_trepp)            0.137***            
##                                             (0.012)            
##                                                                
## Constant                                   9.155***            
##                                             (0.619)            
##                                                                
## ---------------------------------------------------------------
## Observations                                168,408            
## R2                                           0.824             
## Adjusted R2                                  0.824             
## Residual Std. Error                   0.617 (df = 168346)      
## F Statistic                     12,942.890*** (df = 61; 168346)
## ===============================================================
## Note:                               *p<0.1; **p<0.05; ***p<0.01


(8) 08_geo_smmry_risk_trepp.R

This file explores the overall climate risk variable by state, zip code, and tracts. For example, to identify which counties, zip codes, and states have the highest climate risk.


(9) 09_heat_maps.R

This is an initial attempt at creating heat maps to visualize the different risk variables across the US. This is a preliminary script that still needs work. The heat maps have not been created yet.




Descriptives

The Data

suppressWarnings( skimr::skim( smmry_w_zip_n_risk_trm_dscr_outlrs ) )
Data summary
Name smmry_w_zip_n_risk_trm_ds…
Number of rows 191297
Number of columns 27
Key unique_id, zip
_______________________
Column type frequency:
character 3
factor 2
numeric 22
________________________
Group variables None

Variable type: character

skim_variable n_missing complete_rate min max empty n_unique whitespace
state 0 1 0 4 15651 50 0
unique_id 0 1 16 22 0 191297 0
address 0 1 0 200 3357 133732 0

Variable type: factor

skim_variable n_missing complete_rate ordered n_unique top_counts
year 1 1 FALSE 43 200: 15993, 201: 14244, 200: 12909, 201: 12760
month 1 1 FALSE 12 12: 20349, 6: 17653, 8: 16858, 9: 16543

Variable type: numeric

skim_variable n_missing complete_rate mean sd p0 p25 p50 p75 p100 hist
zip 13518 0.93 55018.55 31291.84 0.00 28306.00 55403.00 85308.00 99901.00 ▅▆▂▅▇
risk_score 15653 0.92 23.32 9.69 4.67 15.52 22.18 29.25 68.22 ▆▇▃▁▁
origdate 1 1.00 20097504.16 72095.92 19710928.00 20041026.00 20110301.00 20161222.00 20201215.00 ▁▁▂▆▇
lat 14398 0.92 36.79 5.10 13.46 33.45 36.86 40.73 65.07 ▁▅▇▁▁
long 14398 0.92 -94.28 17.37 -159.73 -112.05 -88.24 -80.14 144.79 ▃▇▁▁▁
mean_actpmt 2792 0.99 270927.18 2632769.29 0.00 15299.68 33961.74 78747.81 353841101.48 ▇▁▁▁▁
median_actpmt 2792 0.99 259236.35 2789516.83 0.00 14792.00 32528.22 74293.77 432029863.44 ▇▁▁▁▁
wac 6004 0.97 5.38 1.47 1.02 4.28 5.29 6.20 16.60 ▂▇▂▁▁
initial_ltv 2457 0.99 66.34 12.72 0.11 61.50 69.41 74.80 99.98 ▁▁▂▇▁
dscr_trepp 0 1.00 1.60 0.93 -1.54 1.27 1.38 1.61 20.00 ▇▁▁▁▁
dscr_crefc 147501 0.23 1.63 1.09 -3.24 1.22 1.48 1.81 64.66 ▇▁▁▁▁
ever_delinquent 0 1.00 0.08 0.27 0.00 0.00 0.00 0.00 1.00 ▇▁▁▁▁
ever_foreclosed 0 1.00 0.05 0.21 0.00 0.00 0.00 0.00 1.00 ▇▁▁▁▁
mean_actual_balance 0 1.00 9756206.52 34892623.93 0.00 478043.24 2584129.87 8982580.65 4442666666.65 ▇▁▁▁▁
median_actual_balance 0 1.00 10128314.06 37463107.24 0.00 0.00 2019492.05 9371507.60 4760000000.00 ▇▁▁▁▁
ltv_under_70 2457 0.99 0.54 0.50 0.00 0.00 1.00 1.00 1.00 ▇▁▁▁▇
ltv_70_to_75 2457 0.99 0.25 0.43 0.00 0.00 0.00 1.00 1.00 ▇▁▁▁▃
ltv_75_to_80 2457 0.99 0.20 0.40 0.00 0.00 0.00 0.00 1.00 ▇▁▁▁▂
ltv_80_to_85 2457 0.99 0.01 0.10 0.00 0.00 0.00 0.00 1.00 ▇▁▁▁▁
ltv_85_to_90 2457 0.99 0.00 0.05 0.00 0.00 0.00 0.00 1.00 ▇▁▁▁▁
ltv_90_to_95 2457 0.99 0.00 0.04 0.00 0.00 0.00 0.00 1.00 ▇▁▁▁▁
ltv_above_95 2457 0.99 0.00 0.04 0.00 0.00 0.00 0.00 1.00 ▇▁▁▁▁
str(smmry_w_zip_n_risk_trm_dscr_outlrs)
## Classes 'data.table' and 'data.frame':   191297 obs. of  27 variables:
##  $ zip                  : int  10022 10022 10036 10036 10036 10036 10036 29405 60611 10013 ...
##  $ state                : chr  "NY" "NY" "NY" "NY" ...
##  $ risk_score           : num  38.9 38.9 38 38 38 ...
##  $ unique_id            : chr  "116605c6-137500001-2" "116605c6-137500001-3" "1166aoa-82700001-1" "1166aoa-82700002-1" ...
##  $ origdate             : int  20051101 20051101 20021001 20021001 20021001 20021001 20021001 20171109 20181031 20190524 ...
##  $ address              : chr  "1166 Avenue of the Americas" "1166 Avenue of the Americas" "1166 Avenue of the Americas" "1166 Avenue of the Americas" ...
##  $ lat                  : num  40.8 40.8 40.8 40.8 40.8 ...
##  $ long                 : num  -74 -74 -74 -74 -74 ...
##  $ mean_actpmt          : num  NA NA 449323 130081 104376 ...
##  $ median_actpmt        : num  NA NA 396121 115226 93143 ...
##  $ wac                  : num  5.7 5.7 6.35 6.35 6.35 ...
##  $ initial_ltv          : num  73.1 73.1 36.85 10.72 8.66 ...
##  $ dscr_trepp           : num  1.36 1.36 1.38 1.38 1.38 1.38 1.38 1.29 1.32 2.01 ...
##  $ dscr_crefc           : num  NA NA NA NA NA NA NA NA NA NA ...
##  $ ever_delinquent      : int  0 0 0 0 0 0 0 0 0 0 ...
##  $ ever_foreclosed      : int  0 0 0 0 0 0 0 0 0 0 ...
##  $ mean_actual_balance  : num  356247491 356247491 108305054 83328838 81365379 ...
##  $ median_actual_balance: num  359000000 359000000 132108735 132108735 132108735 ...
##  $ ltv_under_70         : int  0 0 1 1 1 1 1 1 1 1 ...
##  $ ltv_70_to_75         : int  1 1 0 0 0 0 0 0 0 0 ...
##  $ ltv_75_to_80         : int  0 0 0 0 0 0 0 0 0 0 ...
##  $ ltv_80_to_85         : int  0 0 0 0 0 0 0 0 0 0 ...
##  $ ltv_85_to_90         : int  0 0 0 0 0 0 0 0 0 0 ...
##  $ ltv_90_to_95         : int  0 0 0 0 0 0 0 0 0 0 ...
##  $ ltv_above_95         : int  0 0 0 0 0 0 0 0 0 0 ...
##  $ year                 : Factor w/ 43 levels "1971","1974",..: 28 28 25 25 25 25 25 40 41 42 ...
##  $ month                : Factor w/ 12 levels "1","2","3","4",..: 11 11 10 10 10 10 10 11 10 5 ...
##  - attr(*, ".internal.selfref")=<externalptr> 
##  - attr(*, "sorted")= chr [1:2] "unique_id" "zip"

Years

smmry_w_zip_n_risk_trm_dscr_outlrs[,"year"] %>% unique() %>% arrange(year) 
##     year
##  1: 1971
##  2: 1974
##  3: 1976
##  4: 1978
##  5: 1980
##  6: 1981
##  7: 1982
##  8: 1985
##  9: 1986
## 10: 1987
## 11: 1988
## 12: 1989
## 13: 1990
## 14: 1991
## 15: 1992
## 16: 1993
## 17: 1994
## 18: 1995
## 19: 1996
## 20: 1997
## 21: 1998
## 22: 1999
## 23: 2000
## 24: 2001
## 25: 2002
## 26: 2003
## 27: 2004
## 28: 2005
## 29: 2006
## 30: 2007
## 31: 2008
## 32: 2009
## 33: 2010
## 34: 2011
## 35: 2012
## 36: 2013
## 37: 2014
## 38: 2015
## 39: 2016
## 40: 2017
## 41: 2018
## 42: 2019
## 43: 2020
## 44: <NA>
##     year


WAC on Climate Risk Scatterplot


Ever-Delinquent Indicator on Climate Risk


Approved Loans by Census Tracts


WAC on LTV Scatterplot





Variable Descriptions





Model Pre-, Post-2013 | WAC on Risk, LTV, Year, Month, DSCR

wac_model_pre_2013 <-  suppressWarnings(
  
                    lm( wac ~ log(risk_score) + ltv_under_70 + ltv_70_to_75  +
                        ltv_75_to_80 + ltv_80_to_85 + ltv_85_to_90 + ltv_90_to_95 + ltv_90_to_95 +
                        log(dscr_trepp) + (year) + (month) + log(dscr_trepp):log(risk_score),
                        smmry_w_zip_n_risk_trm_dscr_outlrs[as.numeric(levels(year))[year] < 2013])
                    
                    )

wac_model_post_2013 <-  suppressWarnings(
  
                      lm( wac ~ log(risk_score) + ltv_under_70 + ltv_70_to_75  +
                          ltv_75_to_80 + ltv_80_to_85 + ltv_85_to_90 + ltv_90_to_95 + ltv_90_to_95 +
                          log(dscr_trepp) + (year) + (month) + log(dscr_trepp):log(risk_score),
                          smmry_w_zip_n_risk_trm_dscr_outlrs[as.numeric(levels(year))[year] >= 2013])
                  
                  )
extract_eq(wac_model_pre_2013, wrap = T)

\[ \begin{aligned} \operatorname{wac} &= \alpha + \beta_{1}(\operatorname{\log(risk\_score)}) + \beta_{2}(\operatorname{ltv\_under\_70}) + \beta_{3}(\operatorname{ltv\_70\_to\_75})\ + \\ &\quad \beta_{4}(\operatorname{ltv\_75\_to\_80}) + \beta_{5}(\operatorname{ltv\_80\_to\_85}) + \beta_{6}(\operatorname{ltv\_85\_to\_90}) + \beta_{7}(\operatorname{ltv\_90\_to\_95})\ + \\ &\quad \beta_{8}(\operatorname{\log(dscr\_trepp)}) + \beta_{9}(\operatorname{year}_{\operatorname{1974}}) + \beta_{10}(\operatorname{year}_{\operatorname{1978}}) + \beta_{11}(\operatorname{year}_{\operatorname{1980}})\ + \\ &\quad \beta_{12}(\operatorname{year}_{\operatorname{1981}}) + \beta_{13}(\operatorname{year}_{\operatorname{1982}}) + \beta_{14}(\operatorname{year}_{\operatorname{1985}}) + \beta_{15}(\operatorname{year}_{\operatorname{1986}})\ + \\ &\quad \beta_{16}(\operatorname{year}_{\operatorname{1987}}) + \beta_{17}(\operatorname{year}_{\operatorname{1988}}) + \beta_{18}(\operatorname{year}_{\operatorname{1989}}) + \beta_{19}(\operatorname{year}_{\operatorname{1990}})\ + \\ &\quad \beta_{20}(\operatorname{year}_{\operatorname{1991}}) + \beta_{21}(\operatorname{year}_{\operatorname{1992}}) + \beta_{22}(\operatorname{year}_{\operatorname{1993}}) + \beta_{23}(\operatorname{year}_{\operatorname{1994}})\ + \\ &\quad \beta_{24}(\operatorname{year}_{\operatorname{1995}}) + \beta_{25}(\operatorname{year}_{\operatorname{1996}}) + \beta_{26}(\operatorname{year}_{\operatorname{1997}}) + \beta_{27}(\operatorname{year}_{\operatorname{1998}})\ + \\ &\quad \beta_{28}(\operatorname{year}_{\operatorname{1999}}) + \beta_{29}(\operatorname{year}_{\operatorname{2000}}) + \beta_{30}(\operatorname{year}_{\operatorname{2001}}) + \beta_{31}(\operatorname{year}_{\operatorname{2002}})\ + \\ &\quad \beta_{32}(\operatorname{year}_{\operatorname{2003}}) + \beta_{33}(\operatorname{year}_{\operatorname{2004}}) + \beta_{34}(\operatorname{year}_{\operatorname{2005}}) + \beta_{35}(\operatorname{year}_{\operatorname{2006}})\ + \\ &\quad \beta_{36}(\operatorname{year}_{\operatorname{2007}}) + \beta_{37}(\operatorname{year}_{\operatorname{2008}}) + \beta_{38}(\operatorname{year}_{\operatorname{2009}}) + \beta_{39}(\operatorname{year}_{\operatorname{2010}})\ + \\ &\quad \beta_{40}(\operatorname{year}_{\operatorname{2011}}) + \beta_{41}(\operatorname{year}_{\operatorname{2012}}) + \beta_{42}(\operatorname{month}_{\operatorname{2}}) + \beta_{43}(\operatorname{month}_{\operatorname{3}})\ + \\ &\quad \beta_{44}(\operatorname{month}_{\operatorname{4}}) + \beta_{45}(\operatorname{month}_{\operatorname{5}}) + \beta_{46}(\operatorname{month}_{\operatorname{6}}) + \beta_{47}(\operatorname{month}_{\operatorname{7}})\ + \\ &\quad \beta_{48}(\operatorname{month}_{\operatorname{8}}) + \beta_{49}(\operatorname{month}_{\operatorname{9}}) + \beta_{50}(\operatorname{month}_{\operatorname{10}}) + \beta_{51}(\operatorname{month}_{\operatorname{11}})\ + \\ &\quad \beta_{52}(\operatorname{month}_{\operatorname{12}}) + \beta_{53}(\operatorname{\log(risk\_score)} \times \operatorname{\log(dscr\_trepp)}) + \epsilon \end{aligned} \]

extract_eq(wac_model_post_2013, wrap = T)

\[ \begin{aligned} \operatorname{wac} &= \alpha + \beta_{1}(\operatorname{\log(risk\_score)}) + \beta_{2}(\operatorname{ltv\_under\_70}) + \beta_{3}(\operatorname{ltv\_70\_to\_75})\ + \\ &\quad \beta_{4}(\operatorname{ltv\_75\_to\_80}) + \beta_{5}(\operatorname{ltv\_80\_to\_85}) + \beta_{6}(\operatorname{ltv\_85\_to\_90}) + \beta_{7}(\operatorname{ltv\_90\_to\_95})\ + \\ &\quad \beta_{8}(\operatorname{\log(dscr\_trepp)}) + \beta_{9}(\operatorname{year}_{\operatorname{2014}}) + \beta_{10}(\operatorname{year}_{\operatorname{2015}}) + \beta_{11}(\operatorname{year}_{\operatorname{2016}})\ + \\ &\quad \beta_{12}(\operatorname{year}_{\operatorname{2017}}) + \beta_{13}(\operatorname{year}_{\operatorname{2018}}) + \beta_{14}(\operatorname{year}_{\operatorname{2019}}) + \beta_{15}(\operatorname{year}_{\operatorname{2020}})\ + \\ &\quad \beta_{16}(\operatorname{month}_{\operatorname{2}}) + \beta_{17}(\operatorname{month}_{\operatorname{3}}) + \beta_{18}(\operatorname{month}_{\operatorname{4}}) + \beta_{19}(\operatorname{month}_{\operatorname{5}})\ + \\ &\quad \beta_{20}(\operatorname{month}_{\operatorname{6}}) + \beta_{21}(\operatorname{month}_{\operatorname{7}}) + \beta_{22}(\operatorname{month}_{\operatorname{8}}) + \beta_{23}(\operatorname{month}_{\operatorname{9}})\ + \\ &\quad \beta_{24}(\operatorname{month}_{\operatorname{10}}) + \beta_{25}(\operatorname{month}_{\operatorname{11}}) + \beta_{26}(\operatorname{month}_{\operatorname{12}}) + \beta_{27}(\operatorname{\log(risk\_score)} \times \operatorname{\log(dscr\_trepp)})\ + \\ &\quad \epsilon \end{aligned} \]

stargazer(wac_model_pre_2013, wac_model_post_2013, 
          type = "text",
          column.labels = c("Pre 2013", "Post 2013"))
## 
## =========================================================================================
##                                                    Dependent variable:                   
##                                 ---------------------------------------------------------
##                                                            wac                           
##                                           Pre 2013                     Post 2013         
##                                              (1)                          (2)            
## -----------------------------------------------------------------------------------------
## log(risk_score)                           -0.078***                    -0.092***         
##                                            (0.007)                      (0.010)          
##                                                                                          
## ltv_under_70                              0.152***                     -1.431***         
##                                            (0.037)                      (0.399)          
##                                                                                          
## ltv_70_to_75                               0.084**                     -1.508***         
##                                            (0.037)                      (0.399)          
##                                                                                          
## ltv_75_to_80                               -0.033                      -1.749***         
##                                            (0.037)                      (0.399)          
##                                                                                          
## ltv_80_to_85                                0.033                      -0.966**          
##                                            (0.041)                      (0.401)          
##                                                                                          
## ltv_85_to_90                                0.064                      -0.950**          
##                                            (0.049)                      (0.410)          
##                                                                                          
## ltv_90_to_95                                0.043                      -1.003**          
##                                            (0.052)                      (0.450)          
##                                                                                          
## log(dscr_trepp)                           -0.956***                    -0.752***         
##                                            (0.050)                      (0.062)          
##                                                                                          
## year1974                                   -0.205                                        
##                                            (0.663)                                       
##                                                                                          
## year1978                                    0.188                                        
##                                            (0.663)                                       
##                                                                                          
## year1980                                    1.210                                        
##                                            (0.766)                                       
##                                                                                          
## year1981                                    0.119                                        
##                                            (0.585)                                       
##                                                                                          
## year1982                                   -0.069                                        
##                                            (0.625)                                       
##                                                                                          
## year1985                                    0.176                                        
##                                            (0.766)                                       
##                                                                                          
## year1986                                   -1.103*                                       
##                                            (0.625)                                       
##                                                                                          
## year1987                                   -0.688                                        
##                                            (0.663)                                       
##                                                                                          
## year1988                                   -0.848                                        
##                                            (0.625)                                       
##                                                                                          
## year1989                                  -1.160**                                       
##                                            (0.579)                                       
##                                                                                          
## year1990                                   -0.317                                        
##                                            (0.574)                                       
##                                                                                          
## year1991                                   -0.811                                        
##                                            (0.625)                                       
##                                                                                          
## year1992                                   -0.003                                        
##                                            (0.579)                                       
##                                                                                          
## year1993                                   -0.585                                        
##                                            (0.549)                                       
##                                                                                          
## year1994                                    0.015                                        
##                                            (0.544)                                       
##                                                                                          
## year1995                                   -0.189                                        
##                                            (0.543)                                       
##                                                                                          
## year1996                                    0.135                                        
##                                            (0.542)                                       
##                                                                                          
## year1997                                   -0.509                                        
##                                            (0.542)                                       
##                                                                                          
## year1998                                  -1.408***                                      
##                                            (0.542)                                       
##                                                                                          
## year1999                                   -0.680                                        
##                                            (0.542)                                       
##                                                                                          
## year2000                                   -0.362                                        
##                                            (0.542)                                       
##                                                                                          
## year2001                                  -1.280**                                       
##                                            (0.542)                                       
##                                                                                          
## year2002                                  -1.894***                                      
##                                            (0.542)                                       
##                                                                                          
## year2003                                  -2.925***                                      
##                                            (0.542)                                       
##                                                                                          
## year2004                                  -3.044***                                      
##                                            (0.542)                                       
##                                                                                          
## year2005                                  -3.138***                                      
##                                            (0.542)                                       
##                                                                                          
## year2006                                  -2.579***                                      
##                                            (0.542)                                       
##                                                                                          
## year2007                                  -2.733***                                      
##                                            (0.542)                                       
##                                                                                          
## year2008                                  -2.644***                                      
##                                            (0.542)                                       
##                                                                                          
## year2009                                  -2.836***                                      
##                                            (0.542)                                       
##                                                                                          
## year2010                                  -3.321***                                      
##                                            (0.542)                                       
##                                                                                          
## year2011                                  -3.585***                                      
##                                            (0.542)                                       
##                                                                                          
## year2012                                  -4.391***                                      
##                                            (0.542)                                       
##                                                                                          
## year2014                                                               -0.153***         
##                                                                         (0.012)          
##                                                                                          
## year2015                                                               -0.320***         
##                                                                         (0.011)          
##                                                                                          
## year2016                                                               -0.299***         
##                                                                         (0.011)          
##                                                                                          
## year2017                                                               -0.187***         
##                                                                         (0.011)          
##                                                                                          
## year2018                                                               0.141***          
##                                                                         (0.011)          
##                                                                                          
## year2019                                                               -0.247***         
##                                                                         (0.011)          
##                                                                                          
## year2020                                                               -1.139***         
##                                                                         (0.012)          
##                                                                                          
## month2                                      0.014                       -0.007           
##                                            (0.010)                      (0.014)          
##                                                                                          
## month3                                     -0.001                      -0.106***         
##                                            (0.009)                      (0.013)          
##                                                                                          
## month4                                     -0.007                      -0.084***         
##                                            (0.009)                      (0.013)          
##                                                                                          
## month5                                      0.007                      -0.141***         
##                                            (0.009)                      (0.013)          
##                                                                                          
## month6                                      0.013                      -0.179***         
##                                            (0.009)                      (0.013)          
##                                                                                          
## month7                                     -0.014                      -0.119***         
##                                            (0.009)                      (0.013)          
##                                                                                          
## month8                                    -0.043***                    -0.222***         
##                                            (0.009)                      (0.013)          
##                                                                                          
## month9                                    -0.099***                    -0.214***         
##                                            (0.009)                      (0.013)          
##                                                                                          
## month10                                   -0.152***                    -0.177***         
##                                            (0.009)                      (0.013)          
##                                                                                          
## month11                                   -0.204***                    -0.144***         
##                                            (0.009)                      (0.013)          
##                                                                                          
## month12                                   -0.262***                    -0.180***         
##                                            (0.009)                      (0.012)          
##                                                                                          
## log(risk_score):log(dscr_trepp)           0.186***                     0.073***          
##                                            (0.015)                      (0.019)          
##                                                                                          
## Constant                                  9.058***                     6.606***          
##                                            (0.543)                      (0.400)          
##                                                                                          
## -----------------------------------------------------------------------------------------
## Observations                               91,943                       76,465           
## R2                                          0.809                        0.232           
## Adjusted R2                                 0.809                        0.232           
## Residual Std. Error                  0.542 (df = 91889)           0.691 (df = 76437)     
## F Statistic                     7,343.511*** (df = 53; 91889) 856.793*** (df = 27; 76437)
## =========================================================================================
## Note:                                                         *p<0.1; **p<0.05; ***p<0.01





Model Pre-, Post 2013 | LTV on Risk, WAC, Year, Month, DSCR

ltv_model_pre_2013 <-  suppressWarnings(
  
                        lm( initial_ltv ~ log(risk_score) + log(dscr_trepp) +
                              (year) + (month) + log(dscr_trepp):log(risk_score),
                            smmry_w_zip_n_risk_trm_dscr_outlrs[as.numeric(levels(year))[year] < 2013])
                        
                        )

ltv_model_post_2013 <-  suppressWarnings(
  
                          lm( initial_ltv ~ log(risk_score) + log(dscr_trepp) + log(wac) +
                            (year) + (month) + log(dscr_trepp):log(risk_score) + log(wac):log(risk_score),
                            smmry_w_zip_n_risk_trm_dscr_outlrs[as.numeric(levels(year))[year] >= 2013])
                      
                      )
extract_eq(ltv_model_pre_2013, wrap = T)

\[ \begin{aligned} \operatorname{initial\_ltv} &= \alpha + \beta_{1}(\operatorname{\log(risk\_score)}) + \beta_{2}(\operatorname{\log(dscr\_trepp)}) + \beta_{3}(\operatorname{year}_{\operatorname{1974}})\ + \\ &\quad \beta_{4}(\operatorname{year}_{\operatorname{1978}}) + \beta_{5}(\operatorname{year}_{\operatorname{1980}}) + \beta_{6}(\operatorname{year}_{\operatorname{1981}}) + \beta_{7}(\operatorname{year}_{\operatorname{1982}})\ + \\ &\quad \beta_{8}(\operatorname{year}_{\operatorname{1985}}) + \beta_{9}(\operatorname{year}_{\operatorname{1986}}) + \beta_{10}(\operatorname{year}_{\operatorname{1987}}) + \beta_{11}(\operatorname{year}_{\operatorname{1988}})\ + \\ &\quad \beta_{12}(\operatorname{year}_{\operatorname{1989}}) + \beta_{13}(\operatorname{year}_{\operatorname{1990}}) + \beta_{14}(\operatorname{year}_{\operatorname{1991}}) + \beta_{15}(\operatorname{year}_{\operatorname{1992}})\ + \\ &\quad \beta_{16}(\operatorname{year}_{\operatorname{1993}}) + \beta_{17}(\operatorname{year}_{\operatorname{1994}}) + \beta_{18}(\operatorname{year}_{\operatorname{1995}}) + \beta_{19}(\operatorname{year}_{\operatorname{1996}})\ + \\ &\quad \beta_{20}(\operatorname{year}_{\operatorname{1997}}) + \beta_{21}(\operatorname{year}_{\operatorname{1998}}) + \beta_{22}(\operatorname{year}_{\operatorname{1999}}) + \beta_{23}(\operatorname{year}_{\operatorname{2000}})\ + \\ &\quad \beta_{24}(\operatorname{year}_{\operatorname{2001}}) + \beta_{25}(\operatorname{year}_{\operatorname{2002}}) + \beta_{26}(\operatorname{year}_{\operatorname{2003}}) + \beta_{27}(\operatorname{year}_{\operatorname{2004}})\ + \\ &\quad \beta_{28}(\operatorname{year}_{\operatorname{2005}}) + \beta_{29}(\operatorname{year}_{\operatorname{2006}}) + \beta_{30}(\operatorname{year}_{\operatorname{2007}}) + \beta_{31}(\operatorname{year}_{\operatorname{2008}})\ + \\ &\quad \beta_{32}(\operatorname{year}_{\operatorname{2009}}) + \beta_{33}(\operatorname{year}_{\operatorname{2010}}) + \beta_{34}(\operatorname{year}_{\operatorname{2011}}) + \beta_{35}(\operatorname{year}_{\operatorname{2012}})\ + \\ &\quad \beta_{36}(\operatorname{month}_{\operatorname{2}}) + \beta_{37}(\operatorname{month}_{\operatorname{3}}) + \beta_{38}(\operatorname{month}_{\operatorname{4}}) + \beta_{39}(\operatorname{month}_{\operatorname{5}})\ + \\ &\quad \beta_{40}(\operatorname{month}_{\operatorname{6}}) + \beta_{41}(\operatorname{month}_{\operatorname{7}}) + \beta_{42}(\operatorname{month}_{\operatorname{8}}) + \beta_{43}(\operatorname{month}_{\operatorname{9}})\ + \\ &\quad \beta_{44}(\operatorname{month}_{\operatorname{10}}) + \beta_{45}(\operatorname{month}_{\operatorname{11}}) + \beta_{46}(\operatorname{month}_{\operatorname{12}}) + \beta_{47}(\operatorname{\log(risk\_score)} \times \operatorname{\log(dscr\_trepp)})\ + \\ &\quad \epsilon \end{aligned} \]

extract_eq(ltv_model_post_2013, wrap = T)

\[ \begin{aligned} \operatorname{initial\_ltv} &= \alpha + \beta_{1}(\operatorname{\log(risk\_score)}) + \beta_{2}(\operatorname{\log(dscr\_trepp)}) + \beta_{3}(\operatorname{\log(wac)})\ + \\ &\quad \beta_{4}(\operatorname{year}_{\operatorname{2014}}) + \beta_{5}(\operatorname{year}_{\operatorname{2015}}) + \beta_{6}(\operatorname{year}_{\operatorname{2016}}) + \beta_{7}(\operatorname{year}_{\operatorname{2017}})\ + \\ &\quad \beta_{8}(\operatorname{year}_{\operatorname{2018}}) + \beta_{9}(\operatorname{year}_{\operatorname{2019}}) + \beta_{10}(\operatorname{year}_{\operatorname{2020}}) + \beta_{11}(\operatorname{month}_{\operatorname{2}})\ + \\ &\quad \beta_{12}(\operatorname{month}_{\operatorname{3}}) + \beta_{13}(\operatorname{month}_{\operatorname{4}}) + \beta_{14}(\operatorname{month}_{\operatorname{5}}) + \beta_{15}(\operatorname{month}_{\operatorname{6}})\ + \\ &\quad \beta_{16}(\operatorname{month}_{\operatorname{7}}) + \beta_{17}(\operatorname{month}_{\operatorname{8}}) + \beta_{18}(\operatorname{month}_{\operatorname{9}}) + \beta_{19}(\operatorname{month}_{\operatorname{10}})\ + \\ &\quad \beta_{20}(\operatorname{month}_{\operatorname{11}}) + \beta_{21}(\operatorname{month}_{\operatorname{12}}) + \beta_{22}(\operatorname{\log(risk\_score)} \times \operatorname{\log(dscr\_trepp)}) + \beta_{23}(\operatorname{\log(risk\_score)} \times \operatorname{\log(wac)})\ + \\ &\quad \epsilon \end{aligned} \]

stargazer(ltv_model_pre_2013, ltv_model_post_2013, 
          type = "text",
          column.labels = c("Pre 2013", "Post 2013"))
## 
## ===========================================================================================
##                                                     Dependent variable:                    
##                                 -----------------------------------------------------------
##                                                         initial_ltv                        
##                                           Pre 2013                      Post 2013          
##                                              (1)                           (2)             
## -------------------------------------------------------------------------------------------
## log(risk_score)                           -0.632***                     -2.650***          
##                                            (0.123)                       (0.591)           
##                                                                                            
## log(dscr_trepp)                          -42.182***                    -13.627***          
##                                            (0.860)                       (0.809)           
##                                                                                            
## year1974                                  -22.837*                                         
##                                           (11.719)                                         
##                                                                                            
## year1978                                   -13.910                                         
##                                           (11.719)                                         
##                                                                                            
## year1980                                  -34.701**                                        
##                                           (13.532)                                         
##                                                                                            
## year1981                                    9.590                                          
##                                           (10.335)                                         
##                                                                                            
## year1982                                   14.815                                          
##                                           (11.049)                                         
##                                                                                            
## year1985                                    6.048                                          
##                                           (13.532)                                         
##                                                                                            
## year1986                                    5.470                                          
##                                           (11.048)                                         
##                                                                                            
## year1987                                    1.690                                          
##                                           (11.719)                                         
##                                                                                            
## year1988                                    0.213                                          
##                                           (11.049)                                         
##                                                                                            
## year1989                                   -1.081                                          
##                                           (10.149)                                         
##                                                                                            
## year1990                                   -12.728                                         
##                                           (10.149)                                         
##                                                                                            
## year1991                                   -6.892                                          
##                                           (11.049)                                         
##                                                                                            
## year1992                                    5.376                                          
##                                           (10.149)                                         
##                                                                                            
## year1993                                   -2.064                                          
##                                            (9.697)                                         
##                                                                                            
## year1994                                    2.552                                          
##                                            (9.614)                                         
##                                                                                            
## year1995                                   12.119                                          
##                                            (9.586)                                         
##                                                                                            
## year1996                                   14.413                                          
##                                            (9.572)                                         
##                                                                                            
## year1997                                   17.709*                                         
##                                            (9.569)                                         
##                                                                                            
## year1998                                   18.402*                                         
##                                            (9.569)                                         
##                                                                                            
## year1999                                   15.697                                          
##                                            (9.570)                                         
##                                                                                            
## year2000                                   15.683                                          
##                                            (9.570)                                         
##                                                                                            
## year2001                                   17.022*                                         
##                                            (9.570)                                         
##                                                                                            
## year2002                                   18.623*                                         
##                                            (9.570)                                         
##                                                                                            
## year2003                                  20.291**                                         
##                                            (9.569)                                         
##                                                                                            
## year2004                                  19.867**                                         
##                                            (9.569)                                         
##                                                                                            
## year2005                                  19.406**                                         
##                                            (9.569)                                         
##                                                                                            
## year2006                                   15.323                                          
##                                            (9.569)                                         
##                                                                                            
## year2007                                   15.680                                          
##                                            (9.569)                                         
##                                                                                            
## year2008                                   12.758                                          
##                                            (9.582)                                         
##                                                                                            
## year2009                                   13.304                                          
##                                            (9.573)                                         
##                                                                                            
## year2010                                   16.345*                                         
##                                            (9.570)                                         
##                                                                                            
## year2011                                   16.414*                                         
##                                            (9.570)                                         
##                                                                                            
## year2012                                   18.435*                                         
##                                            (9.569)                                         
##                                                                                            
## log(wac)                                                               -15.523***          
##                                                                          (1.209)           
##                                                                                            
## year2014                                                                1.503***           
##                                                                          (0.152)           
##                                                                                            
## year2015                                                                0.850***           
##                                                                          (0.142)           
##                                                                                            
## year2016                                                                0.422***           
##                                                                          (0.146)           
##                                                                                            
## year2017                                                                -0.468***          
##                                                                          (0.139)           
##                                                                                            
## year2018                                                                -1.453***          
##                                                                          (0.137)           
##                                                                                            
## year2019                                                                -0.287**           
##                                                                          (0.140)           
##                                                                                            
## year2020                                                                -1.171***          
##                                                                          (0.164)           
##                                                                                            
## month2                                     0.285*                       -0.415**           
##                                            (0.166)                       (0.174)           
##                                                                                            
## month3                                    0.941***                      -0.580***          
##                                            (0.162)                       (0.168)           
##                                                                                            
## month4                                    0.508***                      -0.658***          
##                                            (0.162)                       (0.170)           
##                                                                                            
## month5                                     0.392**                      -0.620***          
##                                            (0.157)                       (0.165)           
##                                                                                            
## month6                                     0.352**                       -0.302*           
##                                            (0.155)                       (0.161)           
##                                                                                            
## month7                                     -0.069                       -0.650***          
##                                            (0.159)                       (0.166)           
##                                                                                            
## month8                                     -0.179                       -0.323**           
##                                            (0.158)                       (0.163)           
##                                                                                            
## month9                                     -0.079                        -0.112            
##                                            (0.158)                       (0.163)           
##                                                                                            
## month10                                    -0.097                         0.101            
##                                            (0.159)                       (0.165)           
##                                                                                            
## month11                                    -0.009                       -0.431**           
##                                            (0.158)                       (0.168)           
##                                                                                            
## month12                                    -0.122                       -1.119***          
##                                            (0.151)                       (0.160)           
##                                                                                            
## log(risk_score):log(dscr_trepp)           2.506***                      -4.169***          
##                                            (0.262)                       (0.253)           
##                                                                                            
## log(risk_score):log(wac)                                                2.743***           
##                                                                          (0.388)           
##                                                                                            
## Constant                                  64.696***                     96.032***          
##                                            (9.577)                       (1.857)           
##                                                                                            
## -------------------------------------------------------------------------------------------
## Observations                               94,800                        76,465            
## R2                                          0.495                         0.452            
## Adjusted R2                                 0.495                         0.452            
## Residual Std. Error                  9.568 (df = 94752)            8.845 (df = 76441)      
## F Statistic                     1,977.203*** (df = 47; 94752) 2,743.354*** (df = 23; 76441)
## ===========================================================================================
## Note:                                                           *p<0.1; **p<0.05; ***p<0.01






Summary of FSF Data

fsf <- fread("../../FSF/downloads/Zip_level_risk_FEMA_FSF_v1.3.csv"); skim(fsf)
Data summary
Name fsf
Number of rows 32162
Number of columns 34
Key NULL
_______________________
Column type frequency:
numeric 34
________________________
Group variables None

Variable type: numeric

skim_variable n_missing complete_rate mean sd p0 p25 p50 p75 p100 hist
zipcode 0 1.00 49330.98 27141.39 1001.00 26612.00 49434.50 71471.25 99403 ▇▇▇▇▆
count_property 0 1.00 4421.69 5353.20 1.00 783.00 2205.50 6417.75 107680 ▇▁▁▁▁
count_fema_sfha 0 1.00 269.53 836.32 0.00 13.00 66.00 215.00 26478 ▇▁▁▁▁
pct_fema_sfha 0 1.00 7.25 13.37 0.00 0.80 3.00 7.50 100 ▇▁▁▁▁
count_fs_risk_2020_5 0 1.00 150.25 345.67 0.00 17.00 62.00 159.00 13091 ▇▁▁▁▁
pct_fs_risk_2020_5 0 1.00 5.90 9.56 0.00 1.00 3.30 6.80 100 ▇▁▁▁▁
count_fs_risk_2050_5 0 1.00 178.96 509.35 0.00 19.00 67.00 173.00 19264 ▇▁▁▁▁
pct_fs_risk_2050_5 0 1.00 6.47 10.64 0.00 1.20 3.60 7.20 100 ▇▁▁▁▁
count_fs_risk_2020_100 0 1.00 501.81 967.54 0.00 87.00 227.00 543.00 28349 ▇▁▁▁▁
pct_fs_risk_2020_100 0 1.00 13.90 14.28 0.00 6.10 9.90 16.00 100 ▇▁▁▁▁
count_fs_risk_2050_100 0 1.00 553.90 1163.46 0.00 90.00 236.00 570.00 31117 ▇▁▁▁▁
pct_fs_risk_2050_100 0 1.00 14.77 15.60 0.00 6.40 10.30 16.70 100 ▇▁▁▁▁
count_fs_risk_2020_500 0 1.00 737.07 1429.06 0.00 112.00 301.50 767.75 31302 ▇▁▁▁▁
pct_fs_risk_2020_500 0 1.00 18.36 17.18 0.00 8.40 13.10 21.30 100 ▇▂▁▁▁
count_fs_risk_2050_500 0 1.00 791.43 1573.65 0.00 115.00 311.00 805.00 35632 ▇▁▁▁▁
pct_fs_risk_2050_500 0 1.00 19.30 18.27 0.00 8.70 13.60 22.20 100 ▇▂▁▁▁
count_fs_fema_difference_2020 0 1.00 232.28 636.77 -13247.00 23.00 108.00 301.00 10605 ▁▁▇▁▁
pct_fs_fema_difference_2020 0 1.00 6.65 11.85 -100.00 2.30 5.50 10.00 100 ▁▁▇▁▁
avg_risk_score_all 0 1.00 2.07 1.12 1.00 1.46 1.74 2.22 10 ▇▁▁▁▁
avg_risk_score_2_10 464 0.99 6.49 1.27 2.00 5.60 6.52 7.41 10 ▁▃▇▇▁
avg_risk_fsf_2020_100 621 0.98 7.41 1.02 3.00 6.72 7.46 8.15 10 ▁▁▆▇▂
avg_risk_fsf_2020_500 489 0.98 6.63 1.24 0.50 5.78 6.67 7.53 10 ▁▁▅▇▂
avg_risk_score_sfha 3757 0.88 5.58 2.01 1.00 4.18 5.57 6.95 10 ▂▆▇▆▂
avg_risk_score_no_sfha 170 0.99 1.83 0.91 0.02 1.35 1.57 1.94 10 ▇▂▁▁▁
count_floodfactor1 0 1.00 3629.29 4586.55 0.00 589.00 1732.00 5123.00 84159 ▇▁▁▁▁
count_floodfactor2 0 1.00 41.39 188.34 0.00 1.00 6.00 24.00 9140 ▇▁▁▁▁
count_floodfactor3 0 1.00 102.10 303.65 0.00 6.00 23.00 77.00 11340 ▇▁▁▁▁
count_floodfactor4 0 1.00 133.39 526.56 0.00 7.00 28.00 93.00 23745 ▇▁▁▁▁
count_floodfactor5 0 1.00 55.12 169.33 0.00 4.00 15.00 44.00 5941 ▇▁▁▁▁
count_floodfactor6 0 1.00 198.58 484.78 0.00 19.00 61.00 192.00 12742 ▇▁▁▁▁
count_floodfactor7 0 1.00 76.02 141.94 0.00 11.00 34.00 87.00 7489 ▇▁▁▁▁
count_floodfactor8 0 1.00 15.61 37.08 0.00 2.00 6.00 17.00 1489 ▇▁▁▁▁
count_floodfactor9 0 1.00 85.72 245.90 0.00 12.00 36.00 88.00 16013 ▇▁▁▁▁
count_floodfactor10 0 1.00 84.46 285.74 0.00 5.00 24.00 72.00 10752 ▇▁▁▁▁



FSF Variable Description





FSF DATA VISUALIZATION


Scatterplots




Average Flood Risk of All Properties by ZIP Code (FSF)



Pctg of Properties in Special Hazard Flooding Area (FSF)



Avg Risk of Properties in Special Hazard Flooding Area (FSF)





NRI DATA VISUALIZATION


skim(nri_by_tract_w_risk)
## Warning: Couldn't find skimmers for class: integer64; No user-defined `sfl`
## provided. Falling back to `character`.
Data summary
Name nri_by_tract_w_risk
Number of rows 207993
Number of columns 390
Key NULL
_______________________
Column type frequency:
character 71
logical 12
numeric 307
________________________
Group variables None

Variable type: character

skim_variable n_missing complete_rate min max empty n_unique whitespace
GEOID 892 1.00 10 11 0 12345 0
STATE 92345 0.56 4 20 0 43 0
STATEABBRV 92345 0.56 2 4 0 43 0
COUNTY 92345 0.56 3 20 0 1070 0
COUNTYTYPE 92345 0.56 0 6 655 4 0
TRACTFIPS 92345 0.56 1 330 0 7713 0
RISK_RATNG 92345 0.56 8 19 0 6 0
EAL_RATNG 92345 0.56 8 19 0 5 0
SOVI_RATNG 92345 0.56 8 19 0 6 0
RESL_RATNG 92345 0.56 8 19 0 5 0
AVLN_HLRR 92345 0.56 8 19 0 6 0
AVLN_EALR 92345 0.56 8 19 0 6 0
AVLN_RISKR 92345 0.56 8 19 0 7 0
CFLD_HLRR 92345 0.56 8 19 0 7 0
CFLD_EALR 92345 0.56 8 25 0 7 0
CFLD_RISKR 92345 0.56 8 19 0 8 0
CWAV_HLRR 92345 0.56 8 19 0 4 0
CWAV_EALR 92345 0.56 8 25 0 6 0
CWAV_RISKR 92345 0.56 8 19 0 7 0
DRGT_HLRR 92345 0.56 8 19 0 6 0
DRGT_EALR 92345 0.56 8 25 0 6 0
DRGT_RISKR 92345 0.56 8 19 0 7 0
ERQK_HLRR 92345 0.56 8 19 0 6 0
ERQK_EALR 92345 0.56 8 25 0 6 0
ERQK_RISKR 92345 0.56 8 19 0 7 0
HAIL_HLRR 92345 0.56 8 15 0 4 0
HAIL_EALR 92345 0.56 8 25 0 6 0
HAIL_RISKR 92345 0.56 8 19 0 7 0
HWAV_HLRR 92345 0.56 8 19 0 5 0
HWAV_EALR 92345 0.56 8 25 0 6 0
HWAV_RISKR 92345 0.56 8 19 0 7 0
HRCN_HLRR 92345 0.56 8 19 0 7 0
HRCN_EALR 92345 0.56 8 25 0 7 0
HRCN_RISKR 92345 0.56 8 19 0 8 0
ISTM_HLRR 92345 0.56 8 19 0 7 0
ISTM_EALR 92345 0.56 8 25 0 7 0
ISTM_RISKR 92345 0.56 8 19 0 7 0
LNDS_HLRR 92345 0.56 8 19 0 5 0
LNDS_EALR 92345 0.56 8 25 0 6 0
LNDS_RISKR 92345 0.56 8 19 0 7 0
LTNG_HLRR 92345 0.56 8 19 0 6 0
LTNG_EALR 92345 0.56 8 25 0 6 0
LTNG_RISKR 92345 0.56 8 19 0 6 0
RFLD_HLRR 92345 0.56 8 19 0 5 0
RFLD_EALR 92345 0.56 8 25 0 6 0
RFLD_RISKR 92345 0.56 8 19 0 7 0
SWND_HLRR 92345 0.56 8 14 0 2 0
SWND_EALR 92345 0.56 8 19 0 5 0
SWND_RISKR 92345 0.56 8 19 0 6 0
TRND_HLRR 92345 0.56 8 19 0 6 0
TRND_EALR 92345 0.56 8 25 0 6 0
TRND_RISKR 92345 0.56 8 19 0 6 0
TSUN_HLRR 92345 0.56 8 19 0 6 0
TSUN_EALR 92345 0.56 8 25 0 7 0
TSUN_RISKR 92345 0.56 8 19 0 7 0
VLCN_HLRR 92345 0.56 8 19 0 7 0
VLCN_EALR 92345 0.56 8 25 0 7 0
VLCN_RISKR 92345 0.56 8 19 0 6 0
WFIR_HLRR 92345 0.56 8 19 0 6 0
WFIR_EALR 92345 0.56 8 25 0 6 0
WFIR_RISKR 92345 0.56 8 19 0 7 0
WNTW_HLRR 92345 0.56 8 19 0 6 0
WNTW_EALR 92345 0.56 8 25 0 6 0
WNTW_RISKR 92345 0.56 8 19 0 7 0
NRI_VER 92345 0.56 9 9 0 1 0
unique_id 0 1.00 15 22 0 207993 0
address 0 1.00 0 200 8388 149392 0
state 0 1.00 0 2 117 57 0
NAME 0 1.00 0 63 892 12346 0
variable 0 1.00 0 10 892 2 0
geometry 0 1.00 20 25 0 13143 0

Variable type: logical

skim_variable n_missing complete_rate mean count
AVLN_EVNTS 207993 0 NaN :
CFLD_EVNTS 207993 0 NaN :
DRGT_EXPB 207993 0 NaN :
DRGT_EXPP 207993 0 NaN :
DRGT_EXPPE 207993 0 NaN :
DRGT_HLRB 207993 0 NaN :
DRGT_HLRP 207993 0 NaN :
DRGT_EALB 207993 0 NaN :
DRGT_EALP 207993 0 NaN :
DRGT_EALPE 207993 0 NaN :
ERQK_EVNTS 207993 0 NaN :
WFIR_EVNTS 207993 0 NaN :

Variable type: numeric

skim_variable n_missing complete_rate mean sd p0 p25 p50 p75 p100 hist
OBJECTID 92345 0.56 39531.35 19788.24 1886.00 20332.00 41465.00 57796.00 72723.00 ▆▇▆▇▇
STATEFIPS 92345 0.56 33.48 13.18 10.00 24.00 36.00 47.00 56.00 ▇▅▇▅▇
COUNTYFIPS 92345 0.56 93.13 117.54 1.00 31.00 61.00 113.00 840.00 ▇▁▁▁▁
STCOFIPS 92345 0.56 33574.94 13204.31 10001.00 24005.00 36059.00 47037.00 56043.00 ▇▅▇▅▇
TRACT 92345 0.56 170494.37 277713.10 100.00 9390.00 25417.00 185103.00 989100.00 ▇▁▁▁▁
POPULATION 92345 0.56 4244.79 1633.82 0.00 3167.00 4205.00 5273.00 22065.00 ▇▆▁▁▁
BUILDVALUE 92345 0.56 612361859.14 546290396.72 0.00 375785000.00 516167000.00 704579000.00 11793248000.00 ▇▁▁▁▁
AGRIVALUE 92345 0.56 1937626.62 14216222.89 0.00 0.00 1134.06 97991.13 1636724092.23 ▇▁▁▁▁
AREA 92345 0.56 21.49 177.18 0.02 0.63 1.49 4.54 8176.93 ▇▁▁▁▁
RISK_SCORE 93047 0.55 23.19 10.99 0.68 14.29 21.36 30.07 68.12 ▅▇▅▂▁
RISK_NPCTL 92345 0.56 56.54 28.39 0.40 34.25 58.66 81.17 99.92 ▅▅▇▇▇
RISK_SPCTL 92345 0.56 56.15 28.52 0.10 32.89 58.55 81.46 100.00 ▅▅▆▆▇
EAL_SCORE 92345 0.56 26.06 11.92 0.03 16.55 24.29 34.20 84.79 ▅▇▃▁▁
EAL_NPCTL 92345 0.56 58.07 27.92 0.02 37.16 59.95 83.34 99.99 ▃▅▆▆▇
EAL_SPCTL 92345 0.56 57.91 28.00 0.09 35.67 60.93 81.93 100.00 ▃▅▆▇▇
EAL_VALT 92345 0.56 14291360.20 20182615.63 0.01 2165420.46 6850462.51 19109837.82 291212541.02 ▇▁▁▁▁
EAL_VALB 92345 0.56 7972036.10 15672305.03 0.00 706592.91 2441853.85 8569081.72 278441053.60 ▇▁▁▁▁
EAL_VALP 92345 0.56 0.85 1.34 0.00 0.07 0.37 1.03 18.83 ▇▁▁▁▁
EAL_VALPE 92345 0.56 6302594.36 9925604.53 0.00 553694.17 2704620.84 7618184.93 139312828.76 ▇▁▁▁▁
EAL_VALA 92345 0.56 16729.75 202832.01 0.00 0.00 5.04 550.17 9042545.99 ▇▁▁▁▁
SOVI_SCORE 93047 0.55 31.14 4.14 7.07 28.69 31.08 33.51 57.32 ▁▂▇▁▁
SOVI_NPCTL 92345 0.56 44.69 28.81 0.90 19.78 41.83 68.53 99.86 ▇▇▆▅▅
SOVI_SPCTL 92345 0.56 44.77 28.70 0.10 19.21 41.95 68.87 100.00 ▇▇▆▆▅
SOVI_VALUE 93047 0.55 -0.47 2.59 -15.52 -2.00 -0.51 1.01 15.90 ▁▂▇▁▁
RESL_SCORE 92345 0.56 54.88 2.33 43.86 53.39 54.95 56.67 64.67 ▁▂▇▃▁
RESL_NPCTL 92345 0.56 52.88 25.39 0.22 34.20 53.83 73.66 100.00 ▃▇▇▇▆
RESL_SPCTL 92345 0.56 54.76 28.65 0.75 32.84 60.94 76.14 100.00 ▅▃▆▇▆
RESL_VALUE 92345 0.56 2.74 0.12 2.19 2.67 2.75 2.83 3.23 ▁▂▇▃▁
AVLN_AFREQ 199569 0.04 0.23 0.20 0.01 0.04 0.18 0.47 0.86 ▇▁▆▁▁
AVLN_EXPB 199569 0.04 998143.99 23326.85 705000.00 1000000.00 1000000.00 1000000.00 1000000.00 ▁▁▁▁▇
AVLN_EXPP 199569 0.04 5.00 0.00 5.00 5.00 5.00 5.00 5.00 ▁▁▇▁▁
AVLN_EXPPE 199569 0.04 37000000.00 0.00 37000000.00 37000000.00 37000000.00 37000000.00 37000000.00 ▁▁▇▁▁
AVLN_EXPT 199569 0.04 37998143.99 23326.85 37705000.00 38000000.00 38000000.00 38000000.00 38000000.00 ▁▁▁▁▇
AVLN_HLRB 199569 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.01 ▁▇▁▁▁
AVLN_HLRP 199569 0.04 0.07 0.01 0.02 0.06 0.07 0.07 0.14 ▁▇▇▁▁
AVLN_EALB 199569 0.04 918.62 929.59 6.22 117.91 296.58 2257.87 4097.61 ▇▂▅▁▁
AVLN_EALP 199569 0.04 0.08 0.07 0.00 0.01 0.07 0.17 0.17 ▇▂▁▁▇
AVLN_EALPE 199569 0.04 594231.41 533863.31 22678.48 41758.77 495711.40 1274471.24 1274471.24 ▇▂▁▁▇
AVLN_EALT 199569 0.04 595150.03 534671.42 22726.18 42009.65 496547.65 1276729.10 1276729.10 ▇▂▁▁▇
AVLN_EALS 199569 0.04 55.52 25.61 21.48 26.52 61.35 84.32 84.32 ▇▁▁▂▇
AVLN_RISKS 199598 0.04 40.64 20.91 10.17 19.50 40.32 60.51 100.00 ▇▃▆▃▁
CFLD_AFREQ 146411 0.30 0.31 0.82 0.00 0.00 0.00 0.03 6.54 ▇▁▁▁▁
CFLD_EXPB 146411 0.30 142951969.50 332073175.80 0.00 0.00 2052531.88 114887057.64 4476547956.45 ▇▁▁▁▁
CFLD_EXPP 146411 0.30 905.01 1698.63 0.00 0.00 15.87 890.05 21958.51 ▇▁▁▁▁
CFLD_EXPPE 146411 0.30 6697048982.63 12569862607.99 0.00 0.00 117462562.50 6586362808.03 162492971264.63 ▇▁▁▁▁
CFLD_EXPT 146411 0.30 6840000952.13 12829156392.49 0.00 0.00 119263382.23 6989423903.10 165939961680.05 ▇▁▁▁▁
CFLD_HLRB 146411 0.30 0.00 0.00 0.00 0.00 0.00 0.00 0.02 ▇▁▁▁▁
CFLD_HLRP 146411 0.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
CFLD_EALB 146411 0.30 19737.29 241871.80 0.00 0.00 0.15 70.62 10241030.59 ▇▁▁▁▁
CFLD_EALP 146411 0.30 0.00 0.01 0.00 0.00 0.00 0.00 0.66 ▇▁▁▁▁
CFLD_EALPE 146411 0.30 4860.88 63290.93 0.00 0.00 0.12 123.78 4870999.44 ▇▁▁▁▁
CFLD_EALT 146411 0.30 24598.18 255517.76 0.00 0.00 1.12 717.62 12255865.75 ▇▁▁▁▁
CFLD_EALS 146411 0.30 2.52 5.06 0.00 0.00 0.32 2.79 71.78 ▇▁▁▁▁
CFLD_RISKS 146684 0.29 2.41 4.81 0.00 0.00 0.29 2.71 73.18 ▇▁▁▁▁
CWAV_EVNTS 92345 0.56 2.63 4.82 0.00 0.00 0.00 4.00 182.00 ▇▁▁▁▁
CWAV_AFREQ 92345 0.56 0.20 0.35 0.00 0.00 0.00 0.25 4.28 ▇▁▁▁▁
CWAV_EXPB 92345 0.56 286625739.93 561676422.84 0.00 0.00 0.00 498948000.00 11785452000.00 ▇▁▁▁▁
CWAV_EXPP 92345 0.56 1883.21 2304.47 0.00 0.00 0.00 3935.25 10923.00 ▇▃▂▁▁
CWAV_EXPPE 92345 0.56 13935786187.51 17053069842.60 0.00 0.00 0.00 29120850000.00 80830200000.00 ▇▃▂▁▁
CWAV_EXPA 92345 0.56 1320001.08 13239403.72 0.00 0.00 0.00 1781.13 1636724092.23 ▇▁▁▁▁
CWAV_EXPT 92345 0.56 14223731928.52 17380097848.22 0.00 0.00 0.00 29752621478.39 82369477354.22 ▇▃▂▁▁
CWAV_HLRB 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
CWAV_HLRP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▂▁▁▁
CWAV_HLRA 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.02 ▇▂▁▁▁
CWAV_EALB 92345 0.56 133.70 568.67 0.00 0.00 0.00 63.12 21801.53 ▇▁▁▁▁
CWAV_EALP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.03 ▇▁▁▁▁
CWAV_EALPE 92345 0.56 2236.65 5727.23 0.00 0.00 0.00 1600.05 202867.40 ▇▁▁▁▁
CWAV_EALA 92345 0.56 1527.82 28859.56 0.00 0.00 0.00 0.27 3329583.92 ▇▁▁▁▁
CWAV_EALT 92345 0.56 3898.17 30750.56 0.00 0.00 0.00 2103.85 3331138.51 ▇▁▁▁▁
CWAV_EALS 92345 0.56 4.71 6.37 0.00 0.00 0.00 8.58 100.00 ▇▁▁▁▁
CWAV_RISKS 93047 0.55 4.75 6.46 0.00 0.00 0.00 8.59 100.00 ▇▁▁▁▁
DRGT_EVNTS 92345 0.56 239.34 294.23 0.00 28.00 105.00 357.00 2345.00 ▇▁▁▁▁
DRGT_AFREQ 92345 0.56 13.30 16.35 0.00 1.56 5.83 19.83 130.28 ▇▁▁▁▁
DRGT_EXPA 92345 0.56 1198934.61 9551503.39 0.00 0.00 0.00 21151.55 845667091.97 ▇▁▁▁▁
DRGT_EXPT 92345 0.56 1198934.61 9551503.39 0.00 0.00 0.00 21151.55 845667091.97 ▇▁▁▁▁
DRGT_HLRA 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.03 ▇▁▁▁▁
DRGT_EALA 92345 0.56 9209.34 123701.26 0.00 0.00 0.00 98.58 7454560.15 ▇▁▁▁▁
DRGT_EALT 92345 0.56 9209.34 123701.26 0.00 0.00 0.00 98.58 7454560.15 ▇▁▁▁▁
DRGT_EALS 92345 0.56 2.09 4.81 0.00 0.00 0.00 1.95 82.52 ▇▁▁▁▁
DRGT_RISKS 93047 0.55 1.82 4.31 0.00 0.00 0.00 1.69 81.79 ▇▁▁▁▁
ERQK_AFREQ 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.01 ▇▁▁▁▁
ERQK_EXPB 92345 0.56 612361859.14 546290396.72 0.00 375785000.00 516167000.00 704579000.00 11793248000.00 ▇▁▁▁▁
ERQK_EXPP 92345 0.56 4244.79 1633.82 0.00 3167.00 4205.00 5273.00 22065.00 ▇▆▁▁▁
ERQK_EXPPE 92345 0.56 31411414331.42 12090237404.91 0.00 23435800000.00 31117000000.00 39020200000.00 163281000000.00 ▇▆▁▁▁
ERQK_EXPT 92345 0.56 32023776190.56 12249695261.64 0.00 23817228000.00 31719222000.00 39716164000.00 166744707000.00 ▇▆▁▁▁
ERQK_HLRB 92345 0.56 0.01 0.00 0.00 0.01 0.01 0.01 0.02 ▂▁▁▇▁
ERQK_HLRP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▁▇▁▁▁
ERQK_EALB 92345 0.56 49706.25 162752.25 0.00 1936.10 6277.90 20463.10 3524573.20 ▇▁▁▁▁
ERQK_EALP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.05 ▇▁▁▁▁
ERQK_EALPE 92345 0.56 10186.16 34110.62 0.00 72.45 257.74 1219.08 362959.12 ▇▁▁▁▁
ERQK_EALT 92345 0.56 59892.41 187230.93 0.00 2043.23 6586.66 22026.07 3742617.68 ▇▁▁▁▁
ERQK_EALS 92345 0.56 10.24 8.14 0.00 5.26 7.76 11.61 64.31 ▇▂▁▁▁
ERQK_RISKS 93047 0.55 10.57 8.59 0.00 5.28 7.63 12.14 63.05 ▇▂▁▁▁
HAIL_EVNTS 92345 0.56 383.78 190.02 0.00 291.00 386.00 463.00 960.00 ▃▇▇▃▁
HAIL_AFREQ 92345 0.56 12.01 5.94 0.00 9.12 12.09 14.50 30.00 ▃▇▇▃▁
HAIL_EXPB 92345 0.56 612352669.10 546126988.59 0.00 375785000.00 516167000.00 704579000.00 11785452000.00 ▇▁▁▁▁
HAIL_EXPP 92345 0.56 4244.78 1633.81 0.00 3167.00 4205.00 5273.00 22065.00 ▇▆▁▁▁
HAIL_EXPPE 92345 0.56 31411374851.27 12090229481.38 0.00 23435800000.00 31117000000.00 39020200000.00 163281000000.00 ▇▆▁▁▁
HAIL_EXPA 92345 0.56 1937626.62 14216222.89 0.00 0.00 1134.06 97991.13 1636724092.23 ▇▁▁▁▁
HAIL_EXPT 92345 0.56 32025665146.99 12249517842.38 1094.71 23817228061.86 31724099837.25 39716164000.00 166744707000.00 ▇▆▁▁▁
HAIL_HLRB 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
HAIL_HLRP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
HAIL_HLRA 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
HAIL_EALB 92345 0.56 51501.22 144002.02 0.00 68.70 1202.36 15521.94 1669524.10 ▇▁▁▁▁
HAIL_EALP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.01 ▇▁▁▁▁
HAIL_EALPE 92345 0.56 4512.05 7109.33 0.00 120.48 951.39 6318.95 77485.82 ▇▁▁▁▁
HAIL_EALA 92345 0.56 2211.86 48023.39 0.00 0.00 0.11 21.84 3833405.91 ▇▁▁▁▁
HAIL_EALT 92345 0.56 58225.13 155146.75 0.00 783.66 5120.08 27950.71 4035286.35 ▇▁▁▁▁
HAIL_EALS 92345 0.56 11.37 9.91 0.00 4.41 8.24 14.52 76.15 ▇▂▁▁▁
HAIL_RISKS 93047 0.55 10.90 9.51 0.00 4.44 7.94 13.82 74.55 ▇▂▁▁▁
HWAV_EVNTS 92345 0.56 16.88 27.37 0.00 2.00 9.00 16.00 583.00 ▇▁▁▁▁
HWAV_AFREQ 92345 0.56 1.35 2.13 0.00 0.16 0.74 1.32 12.44 ▇▁▁▁▁
HWAV_EXPB 92345 0.56 497488782.36 587621305.96 0.00 210892000.00 441885000.00 647769000.00 11785452000.00 ▇▁▁▁▁
HWAV_EXPP 92345 0.56 3343.18 2274.48 0.00 1684.00 3678.00 4986.00 22065.00 ▇▅▁▁▁
HWAV_EXPPE 92345 0.56 24739565518.87 16831169544.73 0.00 12461600000.00 27217200000.00 36896399833.99 163281000000.00 ▇▅▁▁▁
HWAV_EXPT 92345 0.56 25237054301.23 17124143912.55 0.00 12784651000.00 27650358827.40 37786630556.60 166744707000.00 ▇▅▁▁▁
HWAV_HLRB 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
HWAV_HLRP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
HWAV_EALB 92345 0.56 143.92 1204.02 0.00 0.00 0.25 1.22 39271.37 ▇▁▁▁▁
HWAV_EALP 92345 0.56 0.00 0.01 0.00 0.00 0.00 0.00 0.11 ▇▁▁▁▁
HWAV_EALPE 92345 0.56 18485.18 42397.14 0.00 277.32 4794.13 16624.65 835797.24 ▇▁▁▁▁
HWAV_EALT 92345 0.56 18629.10 42671.00 0.00 285.83 4858.67 16686.39 835801.10 ▇▁▁▁▁
HWAV_EALS 92345 0.56 17.73 14.21 0.00 6.58 16.91 25.52 94.06 ▇▅▁▁▁
HWAV_RISKS 93047 0.55 15.52 12.73 0.00 5.47 14.38 22.35 98.86 ▇▃▁▁▁
HRCN_EVNTS 109631 0.47 7.75 8.12 0.00 1.00 5.00 12.00 66.00 ▇▂▁▁▁
HRCN_AFREQ 109631 0.47 0.09 0.09 0.00 0.01 0.07 0.14 0.44 ▇▅▂▁▁
HRCN_EXPB 109631 0.47 624753079.62 576770259.52 0.00 377225089.43 523321000.00 724619499.37 11785452000.00 ▇▁▁▁▁
HRCN_EXPP 109631 0.47 4264.11 1673.14 0.00 3144.51 4199.82 5308.00 22065.00 ▇▆▁▁▁
HRCN_EXPPE 109631 0.47 31554392325.88 12381235848.94 0.00 23269380531.64 31078638471.97 39279200000.00 163281000000.00 ▇▆▁▁▁
HRCN_EXPT 109631 0.47 32179145405.50 12552447693.88 0.00 23722661000.00 31719222000.00 39896017000.00 166744707000.00 ▇▆▁▁▁
HRCN_HLRB 109631 0.47 0.00 0.00 0.00 0.00 0.00 0.00 0.04 ▇▁▁▁▁
HRCN_HLRP 109631 0.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
HRCN_EALB 109631 0.47 31608.06 153192.61 0.00 104.57 491.58 6507.93 5596205.51 ▇▁▁▁▁
HRCN_EALP 109631 0.47 0.00 0.00 0.00 0.00 0.00 0.00 0.01 ▇▁▁▁▁
HRCN_EALPE 109631 0.47 1312.30 3546.39 0.00 101.16 342.41 1252.24 66988.08 ▇▁▁▁▁
HRCN_EALT 109631 0.47 32920.36 155320.94 0.00 324.57 1248.81 8022.14 5639821.65 ▇▁▁▁▁
HRCN_EALS 109631 0.47 9.22 9.16 0.00 3.69 5.79 10.76 95.66 ▇▁▁▁▁
HRCN_RISKS 110299 0.47 9.08 9.29 0.00 3.50 5.48 10.68 71.08 ▇▁▁▁▁
ISTM_EVNTS 105090 0.49 61.26 37.03 0.00 36.00 51.00 84.00 213.00 ▆▇▃▁▁
ISTM_AFREQ 105090 0.49 0.92 0.55 0.01 0.55 0.77 1.27 3.17 ▆▇▃▁▁
ISTM_EXPB 105090 0.49 617541372.54 556095281.78 0.00 381070000.00 519828654.71 714169000.00 11580914315.80 ▇▁▁▁▁
ISTM_EXPP 105090 0.49 4246.05 1632.14 0.00 3176.00 4197.00 5261.00 22065.00 ▇▆▁▁▁
ISTM_EXPPE 105090 0.49 31420776021.76 12077871514.91 0.00 23502400000.00 31057800000.00 38931400000.00 163281000000.00 ▇▆▁▁▁
ISTM_EXPT 105090 0.49 32038317394.30 12241551338.01 0.00 23919543000.00 31649693000.00 39723911490.75 166744707000.00 ▇▆▁▁▁
ISTM_HLRB 105090 0.49 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
ISTM_HLRP 105090 0.49 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
ISTM_EALB 105090 0.49 5575.88 18708.13 0.00 165.73 675.08 2224.91 534558.58 ▇▁▁▁▁
ISTM_EALP 105090 0.49 0.00 0.00 0.00 0.00 0.00 0.00 0.01 ▇▁▁▁▁
ISTM_EALPE 105090 0.49 5049.28 8379.78 0.00 413.28 2152.69 6133.46 108898.90 ▇▁▁▁▁
ISTM_EALT 105090 0.49 10625.15 20982.70 0.00 1455.50 4666.21 11226.85 538167.76 ▇▁▁▁▁
ISTM_EALS 105090 0.49 21.06 10.69 0.00 13.49 19.89 26.65 96.79 ▇▇▁▁▁
ISTM_RISKS 105679 0.49 17.21 8.98 0.58 10.73 16.06 21.82 73.09 ▇▇▂▁▁
LNDS_EVNTS 92345 0.56 0.04 0.49 0.00 0.00 0.00 0.00 25.00 ▇▁▁▁▁
LNDS_AFREQ 92345 0.56 0.02 0.05 0.02 0.02 0.02 0.02 2.81 ▇▁▁▁▁
LNDS_EXPB 92345 0.56 178612469.65 468590152.58 0.00 0.00 34720100.53 232555954.49 11785451998.97 ▇▁▁▁▁
LNDS_EXPP 92345 0.56 1114.68 1666.57 0.00 0.00 205.32 1786.21 14934.00 ▇▁▁▁▁
LNDS_EXPPE 92345 0.56 8248632942.18 12332628868.09 0.00 0.00 1519378523.37 13217931076.51 110511599951.19 ▇▁▁▁▁
LNDS_EXPT 92345 0.56 8427245411.83 12586338552.01 0.00 0.00 1561927340.79 13514951445.97 111611985950.67 ▇▁▁▁▁
LNDS_HLRB 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.02 ▇▁▁▁▁
LNDS_HLRP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
LNDS_EALB 92345 0.56 2832.73 16818.51 0.00 0.00 25.75 1440.76 992713.91 ▇▁▁▁▁
LNDS_EALP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.19 ▇▁▁▁▁
LNDS_EALPE 92345 0.56 1256.78 13999.14 0.00 0.00 35.22 480.94 1384244.50 ▇▁▁▁▁
LNDS_EALT 92345 0.56 4089.50 25647.10 0.00 0.00 186.26 2052.87 1384263.78 ▇▁▁▁▁
LNDS_EALS 92345 0.56 3.54 4.25 0.00 0.00 2.61 5.82 51.03 ▇▁▁▁▁
LNDS_RISKS 93047 0.55 2.75 3.40 0.00 0.00 1.97 4.42 49.00 ▇▁▁▁▁
LTNG_EVNTS 92345 0.56 1483.44 1037.88 4.00 844.00 1316.00 1936.00 5949.00 ▇▇▂▁▁
LTNG_AFREQ 92345 0.56 67.45 47.18 0.23 38.41 59.85 88.00 270.43 ▇▇▂▁▁
LTNG_EXPB 92345 0.56 612352669.10 546126988.59 0.00 375785000.00 516167000.00 704579000.00 11785452000.00 ▇▁▁▁▁
LTNG_EXPP 92345 0.56 4244.78 1633.81 0.00 3167.00 4205.00 5273.00 22065.00 ▇▆▁▁▁
LTNG_EXPPE 92345 0.56 31411374851.27 12090229481.38 0.00 23435800000.00 31117000000.00 39020200000.00 163281000000.00 ▇▆▁▁▁
LTNG_EXPT 92345 0.56 32023727520.37 12249657468.90 0.00 23817228000.00 31719222000.00 39716164000.00 166744707000.00 ▇▆▁▁▁
LTNG_HLRB 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
LTNG_HLRP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
LTNG_EALB 92345 0.56 674.90 978.55 0.00 99.09 337.37 908.69 14324.95 ▇▁▁▁▁
LTNG_EALP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.01 ▇▁▁▁▁
LTNG_EALPE 92345 0.56 6388.56 7744.04 0.00 1564.31 3663.71 8283.73 91897.40 ▇▁▁▁▁
LTNG_EALT 92345 0.56 7063.46 8062.00 0.00 1996.78 4340.84 9051.72 95026.85 ▇▁▁▁▁
LTNG_EALS 92345 0.56 26.49 9.62 0.00 19.56 25.34 32.37 70.88 ▁▇▅▁▁
LTNG_RISKS 93047 0.55 22.89 8.80 0.80 16.39 21.52 27.78 77.76 ▃▇▂▁▁
RFLD_EVNTS 92345 0.56 41.74 41.20 0.00 0.00 33.00 65.00 175.00 ▇▃▂▁▁
RFLD_AFREQ 92345 0.56 1.90 1.87 0.00 0.00 1.50 2.95 7.95 ▇▃▂▁▁
RFLD_EXPB 92345 0.56 41007694.04 127716601.54 0.00 0.00 9192778.65 29898372.14 2607458710.56 ▇▁▁▁▁
RFLD_EXPP 92345 0.56 253.19 673.37 0.00 0.00 54.61 201.30 10733.72 ▇▁▁▁▁
RFLD_EXPPE 92345 0.56 1873615386.53 4982954013.32 0.00 0.00 404110657.78 1489601713.03 79429544422.00 ▇▁▁▁▁
RFLD_EXPA 92345 0.56 242033.43 4731754.96 0.00 0.00 0.00 4158.82 316259919.78 ▇▁▁▁▁
RFLD_EXPT 92345 0.56 1914865113.99 5077484111.32 0.00 0.00 417473918.28 1524269306.32 80998851448.95 ▇▁▁▁▁
RFLD_HLRB 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.01 ▇▁▁▁▁
RFLD_HLRP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
RFLD_HLRA 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.01 0.04 ▇▂▁▁▁
RFLD_EALB 92345 0.56 27818.77 149414.13 0.00 0.00 1963.55 11905.39 3633929.27 ▇▁▁▁▁
RFLD_EALP 92345 0.56 0.00 0.01 0.00 0.00 0.00 0.00 0.30 ▇▁▁▁▁
RFLD_EALPE 92345 0.56 12494.39 43229.61 0.00 0.00 955.27 8216.21 2192681.75 ▇▁▁▁▁
RFLD_EALA 92345 0.56 2250.23 97515.95 0.00 0.00 0.00 10.46 6874962.02 ▇▁▁▁▁
RFLD_EALT 92345 0.56 42563.40 191344.87 0.00 0.00 5703.93 29072.34 6989530.59 ▇▁▁▁▁
RFLD_EALS 92345 0.56 8.75 8.50 0.00 0.00 7.77 13.38 83.17 ▇▁▁▁▁
RFLD_RISKS 93047 0.55 9.21 9.10 0.00 0.00 8.08 13.90 86.93 ▇▂▁▁▁
SWND_EVNTS 92345 0.56 347.72 167.89 1.00 232.00 375.00 461.00 792.00 ▃▇▇▅▁
SWND_AFREQ 92345 0.56 10.88 5.25 0.06 7.25 11.72 14.41 24.75 ▃▇▇▅▁
SWND_EXPB 92345 0.56 612352669.10 546126988.59 0.00 375785000.00 516167000.00 704579000.00 11785452000.00 ▇▁▁▁▁
SWND_EXPP 92345 0.56 4244.78 1633.81 0.00 3167.00 4205.00 5273.00 22065.00 ▇▆▁▁▁
SWND_EXPPE 92345 0.56 31411374851.27 12090229481.38 0.00 23435800000.00 31117000000.00 39020200000.00 163281000000.00 ▇▆▁▁▁
SWND_EXPA 92345 0.56 1937626.62 14216222.89 0.00 0.00 1134.06 97991.13 1636724092.23 ▇▁▁▁▁
SWND_EXPT 92345 0.56 32025665146.99 12249517842.38 1094.71 23817228061.86 31724099837.25 39716164000.00 166744707000.00 ▇▆▁▁▁
SWND_HLRB 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
SWND_HLRP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
SWND_HLRA 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
SWND_EALB 92345 0.56 24877.35 58618.64 0.00 2335.49 6721.18 19273.71 1850264.48 ▇▁▁▁▁
SWND_EALP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.01 0.07 ▇▁▁▁▁
SWND_EALPE 92345 0.56 27233.77 35032.87 0.00 4514.32 12441.70 38272.48 491050.93 ▇▁▁▁▁
SWND_EALA 92345 0.56 1530.49 25226.43 0.00 0.00 0.03 9.79 3604502.08 ▇▁▁▁▁
SWND_EALT 92345 0.56 53641.60 79574.17 0.00 11476.25 28545.77 64225.93 3741558.66 ▇▁▁▁▁
SWND_EALS 92345 0.56 17.83 7.85 0.01 12.58 17.04 22.33 86.56 ▇▇▁▁▁
SWND_RISKS 93047 0.55 18.43 8.28 0.75 12.79 17.23 23.09 99.14 ▇▅▁▁▁
TRND_EVNTS 92345 0.56 0.40 1.13 0.00 0.00 0.00 0.00 46.00 ▇▁▁▁▁
TRND_AFREQ 92345 0.56 5.95 2.74 0.06 4.53 6.56 7.78 13.91 ▂▃▇▂▁
TRND_EXPB 92345 0.56 327280790.15 521380309.94 0.00 102838794.64 254043889.07 400324285.88 11793248000.00 ▇▁▁▁▁
TRND_EXPP 92345 0.56 2211.74 1849.91 0.00 668.83 1928.56 3286.89 22065.00 ▇▁▁▁▁
TRND_EXPPE 92345 0.56 16366909117.51 13689330878.52 0.00 4949349883.01 14271376657.73 24322954100.73 163281000000.00 ▇▁▁▁▁
TRND_EXPT 92345 0.56 16694189907.66 13939817993.27 0.00 5052512695.42 14636998034.86 24763417960.19 166744707000.00 ▇▁▁▁▁
TRND_HLRB 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.01 0.05 ▇▁▁▁▁
TRND_HLRP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
TRND_EALB 92345 0.56 7760012.69 15646752.23 0.00 440182.45 2205435.25 8404644.74 277930362.69 ▇▁▁▁▁
TRND_EALP 92345 0.56 0.83 1.34 0.00 0.05 0.35 1.02 18.81 ▇▁▁▁▁
TRND_EALPE 92345 0.56 6163292.53 9934186.96 0.00 401381.97 2593753.11 7531196.97 139199515.77 ▇▁▁▁▁
TRND_EALT 92345 0.56 13923305.22 20183703.31 0.00 1606514.18 6555220.49 18869030.60 290671765.35 ▇▁▁▁▁
TRND_EALS 92345 0.56 25.10 12.83 0.00 14.99 23.96 34.08 84.79 ▅▇▃▁▁
TRND_RISKS 93047 0.55 22.45 11.82 0.24 13.04 21.04 30.07 68.44 ▆▇▅▂▁
TSUN_EVNTS 203374 0.02 0.18 0.81 0.00 0.00 0.00 0.00 5.00 ▇▁▁▁▁
TSUN_AFREQ 203374 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.02 ▇▁▁▁▁
TSUN_EXPB 203374 0.02 15029671.02 127073029.07 0.00 0.00 0.00 0.00 1454103061.96 ▇▁▁▁▁
TSUN_EXPP 203374 0.02 23.02 170.72 0.00 0.00 0.00 0.00 4641.23 ▇▁▁▁▁
TSUN_EXPPE 203374 0.02 170345111.86 1263317971.71 0.00 0.00 0.00 0.00 34345134035.91 ▇▁▁▁▁
TSUN_EXPT 203374 0.02 185374782.88 1322771218.29 0.00 0.00 0.00 0.00 34838389602.97 ▇▁▁▁▁
TSUN_HLRB 203374 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▁▇▁▁▁
TSUN_HLRP 203374 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
TSUN_EALB 203374 0.02 138.83 1477.67 0.00 0.00 0.00 0.00 17643.70 ▇▁▁▁▁
TSUN_EALP 203374 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
TSUN_EALPE 203374 0.02 2.04 18.63 0.00 0.00 0.00 0.00 686.22 ▇▁▁▁▁
TSUN_EALT 203374 0.02 140.87 1486.92 0.00 0.00 0.00 0.00 17730.93 ▇▁▁▁▁
TSUN_EALS 203374 0.02 0.77 4.08 0.00 0.00 0.00 0.00 42.16 ▇▁▁▁▁
TSUN_RISKS 203374 0.02 0.64 3.36 0.00 0.00 0.00 0.00 34.13 ▇▁▁▁▁
VLCN_EVNTS 201924 0.03 1.21 0.60 0.00 1.00 1.00 2.00 3.00 ▁▇▁▅▁
VLCN_AFREQ 201924 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.01 ▇▇▁▅▁
VLCN_EXPB 201924 0.03 471038959.02 319580907.07 0.00 352784000.00 474248000.00 600856000.00 2665611000.00 ▇▃▁▁▁
VLCN_EXPP 201924 0.03 3781.44 1867.64 0.00 3248.00 4341.00 5097.00 7594.00 ▃▂▆▇▁
VLCN_EXPPE 201924 0.03 27982686687.06 13820526347.62 0.00 24035200000.00 32123400000.00 37717800000.00 56195599967.80 ▃▂▆▇▁
VLCN_EXPT 201924 0.03 28453725646.08 13996912271.63 0.00 24572747000.00 32597901000.00 38206897000.00 56978843967.23 ▃▂▆▇▁
VLCN_HLRB 201924 0.03 0.08 0.03 0.00 0.07 0.09 0.09 0.26 ▁▇▁▁▁
VLCN_HLRP 201924 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▂▇▁▁▁
VLCN_EALB 201924 0.03 101964.46 100281.35 0.00 19910.19 91317.20 150768.99 589547.34 ▇▃▁▁▁
VLCN_EALP 201924 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.01 ▇▇▂▂▁
VLCN_EALPE 201924 0.03 10612.39 9011.25 0.00 2668.45 10005.38 14426.72 43471.21 ▇▇▂▂▁
VLCN_EALT 201924 0.03 112576.85 106586.17 0.00 22831.67 103001.81 167792.59 595753.57 ▇▅▂▁▁
VLCN_EALS 201924 0.03 29.98 15.02 0.00 20.94 34.60 40.71 62.11 ▃▅▇▇▁
VLCN_RISKS 201924 0.03 27.43 14.32 0.00 18.00 30.97 38.22 57.12 ▃▅▅▇▂
WFIR_AFREQ 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.05 ▇▁▁▁▁
WFIR_EXPB 92345 0.56 9171666.76 33191501.55 0.00 0.00 0.00 1114162.61 560479510.57 ▇▁▁▁▁
WFIR_EXPP 92345 0.56 75.69 275.92 0.00 0.00 0.00 6.23 4523.84 ▇▁▁▁▁
WFIR_EXPPE 92345 0.56 560104882.29 2041796140.30 0.00 0.00 0.00 46123011.92 33476404778.68 ▇▁▁▁▁
WFIR_EXPT 92345 0.56 569276549.06 2072050345.17 0.00 0.00 0.00 48861133.03 33725620732.26 ▇▁▁▁▁
WFIR_HLRB 92345 0.56 0.20 0.00 0.20 0.20 0.20 0.20 0.20 ▁▁▇▁▁
WFIR_HLRP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
WFIR_EALB 92345 0.56 4763.49 36702.82 0.00 0.00 0.00 12.60 2036927.86 ▇▁▁▁▁
WFIR_EALP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.01 ▇▁▁▁▁
WFIR_EALPE 92345 0.56 166.05 2004.26 0.00 0.00 0.00 0.23 109493.51 ▇▁▁▁▁
WFIR_EALT 92345 0.56 4929.55 37521.96 0.00 0.00 0.00 13.87 2064861.85 ▇▁▁▁▁
WFIR_EALS 92345 0.56 1.91 4.97 0.00 0.00 0.00 1.23 65.01 ▇▁▁▁▁
WFIR_RISKS 93047 0.55 1.70 4.53 0.00 0.00 0.00 1.02 65.04 ▇▁▁▁▁
WNTW_EVNTS 92345 0.56 37.46 42.27 0.00 12.00 32.00 50.00 856.00 ▇▁▁▁▁
WNTW_AFREQ 92345 0.56 2.84 2.54 0.00 0.99 2.47 4.04 27.28 ▇▁▁▁▁
WNTW_EXPB 92345 0.56 552267197.70 567799665.35 0.00 317671000.00 480140000.00 675600000.00 11785452000.00 ▇▁▁▁▁
WNTW_EXPP 92345 0.56 3788.22 2028.68 0.00 2700.00 3976.00 5143.00 14934.00 ▃▇▂▁▁
WNTW_EXPPE 92345 0.56 28032810820.81 15012231508.41 0.00 19980000000.00 29422400000.00 38058200000.00 110511600000.00 ▃▇▂▁▁
WNTW_EXPT 92345 0.56 28585078018.50 15251908590.11 0.00 20438263000.00 29971818764.36 38761848000.00 111611986000.00 ▃▇▂▁▁
WNTW_HLRB 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
WNTW_HLRP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ▇▁▁▁▁
WNTW_EALB 92345 0.56 1792.74 5848.05 0.00 20.18 221.42 1288.41 263685.12 ▇▁▁▁▁
WNTW_EALP 92345 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.02 ▇▁▁▁▁
WNTW_EALPE 92345 0.56 4303.02 7674.65 0.00 227.92 1604.45 5575.25 171438.97 ▇▁▁▁▁
WNTW_EALT 92345 0.56 6095.76 10533.89 0.00 620.60 2960.28 7966.25 367843.70 ▇▁▁▁▁
WNTW_EALS 92345 0.56 17.60 10.55 0.00 10.58 17.82 24.78 88.90 ▇▇▁▁▁
WNTW_RISKS 93047 0.55 9.13 5.54 0.00 5.44 9.18 12.55 46.42 ▇▇▁▁▁
origdate 127 1.00 20090911.87 76547.87 19650401.00 20030910.00 20101101.00 20160630.00 20201215.00 ▁▁▂▆▇
zip 92 1.00 55346.70 31204.21 603.00 29205.00 55437.00 85716.00 99901.00 ▅▆▃▅▇
mean_actpmt 7731 0.96 243752.76 2431755.74 0.00 13689.85 31219.88 73531.60 353841101.48 ▇▁▁▁▁
median_actpmt 7731 0.96 232981.66 2591484.46 0.00 12886.01 29002.86 66625.18 432029863.44 ▇▁▁▁▁
wac 10923 0.95 5.55 1.63 1.10 4.30 5.40 6.45 18.00 ▃▇▂▁▁
initial_ltv 7017 0.97 65.65 14.11 0.00 60.70 69.30 74.80 99.99 ▁▁▂▇▁
scheduled_principal 0 1.00 5128.30 468523.23 0.00 0.00 0.00 0.00 181500000.00 ▇▁▁▁▁
dscr_trepp 30912 0.85 1.63 1.48 -1.54 1.27 1.38 1.60 136.00 ▇▁▁▁▁
dscr_crefc 165515 0.20 1.64 1.29 -3.49 1.21 1.47 1.81 125.50 ▇▁▁▁▁
ever_delinquent 0 1.00 0.09 0.28 0.00 0.00 0.00 0.00 1.00 ▇▁▁▁▁
ever_foreclosed 0 1.00 0.04 0.20 0.00 0.00 0.00 0.00 1.00 ▇▁▁▁▁
mean_actual_balance 0 1.00 7501765.88 23214828.90 0.00 0.00 1688845.77 6979036.41 1430769230.77 ▇▁▁▁▁
median_actual_balance 0 1.00 7770708.10 24651561.10 0.00 0.00 776057.11 7171564.80 1555000000.00 ▇▁▁▁▁
ltv_under_70 7017 0.97 0.55 0.50 0.00 0.00 1.00 1.00 1.00 ▆▁▁▁▇
ltv_70_to_75 7017 0.97 0.24 0.43 0.00 0.00 0.00 0.00 1.00 ▇▁▁▁▂
ltv_75_to_80 7017 0.97 0.19 0.39 0.00 0.00 0.00 0.00 1.00 ▇▁▁▁▂
ltv_80_to_85 7017 0.97 0.01 0.10 0.00 0.00 0.00 0.00 1.00 ▇▁▁▁▁
ltv_85_to_90 7017 0.97 0.00 0.06 0.00 0.00 0.00 0.00 1.00 ▇▁▁▁▁
ltv_90_to_95 7017 0.97 0.00 0.05 0.00 0.00 0.00 0.00 1.00 ▇▁▁▁▁
ltv_above_95 7017 0.97 0.00 0.05 0.00 0.00 0.00 0.00 1.00 ▇▁▁▁▁
estimate 3980 0.98 80488.78 39624.76 2499.00 52500.00 72888.00 99750.00 250001.00 ▃▇▃▁▁
moe 5322 0.97 16970.53 11627.16 264.00 9278.00 14142.00 21228.00 187975.00 ▇▁▁▁▁
lon 0 1.00 -94.47 17.40 -165.58 -112.16 -88.29 -80.20 144.79 ▃▇▁▁▁
lat 0 1.00 36.83 5.10 13.46 33.49 36.86 40.73 65.07 ▁▅▇▁▁



Scatterplots




Logged Wildfire Risk by Census Tract



Wildfire Risk by Census Tract



Wildfire Annualized Frequency by Tract



Riverine Flood Risk by Tract



Coastal Flood Risk by Tract